This is the full story. So my grandmother died, under her will it list 5 people who is living to receive life insurance money. One person listed died two week later and was living at the time of the death of my grandmother. I assume that the policy starts after the death of my grandmother and the person who died two weeks later is legally allow to collect that portion. However, if this is not true, then she has a living trust that the insurance money can go into under her trust that she setup three years ago. I also have the legal documentation stating that I can legally act on her behalf, receive money on her behalf even after she passes as long as the trust is still there and I am the trustee of her living trust. I have also heard that the insurance will normally pass the portion of the money to her living son legally even if it is not grandmother will. I am thinking the person who is handling this, is not providing all the information to the insurance company.
The person who is handling this also stated that the insurance company will only pay the living listed on the will and not the one who has passed away. I don’t believe this to be true. Also doesn’t insurance require a certified copy or the original copy of the person listed in the will to proof they are no longer living.
I want to know how the insurance company would handle this legally and what is my options.