AIBU To think that MIL should have paid off the mortgage?

[mumzy7xx]

Following on from my thread the other day with all the advice and support I plan on to email the life cover and ensure they took the right steps before the pay out and reiterate that my partner has left a minor behind.

if anyone would be so kind to offer some help in writing this email as advised and some key questions to ask that would be greatly greatly appreciated

Gentle bump

Soeey. Wrong thread.

I don't think the life insurance has to pay off a mortgage. It can be spent on anything. As the life insurance was left to his mother there is nothing you can do. When he was alive he should have made provisions for his daughter.

Dear LA company

ref - policy number and/or name / date of birth / date of death /address of policy holder

I am writing on behalf of <daughter’s name and date of birth> the daughter of the policy holder. I am her parent and guardian and am acting on her behalf. She is the sole beneficiary of <policy holder’s name> as he died intestate.

I understand that you have settled this policy in favour of <MIL name, date of birth, address> following the death of the policy holder on <date of death>.

Please can you inform me of the steps taken to ensure the policy was settled correctly, with due diligence as to other potential claimants.

I would be grateful if you could respond within 10 working days to resolve this query or indicate a timeline for its resolution.

If the named beneficiary is his mum, then that is who they will normally pay. There are some minor exceptions.

If the life insurance wasn't linked to the mortgage, and you said it was taken out two years later, there is no obligation for them or your MIL to pay off the mortgage.

You have a claim against your late partner's estate for maintenance of his children. You should ask a solicitor to register an interest with the executor on your behalf.

I do understand that his mother doesn’t have to legally do anything with the money. Eg pay off the mortgage,

but as someone suggested the other day to contact the insurance company again asking if they made sure they took the correct steps I thought might be worth a shot.

As when the first policy came to light his brother and mum mentioned he’d said something about ‘for the upbringing of my children’ and then later went back on it- I never seen the document myself. But it was strange where did it come from?

Amazing , thank you

Banks etc make you have life insurance to cover paying off the mortgage in the event of the borrowers death. Go to your lender as a first port of call.

Banks and Building Societies haven't required life policies as a condition of the mortgage for a very long time I'm afraid,

Nope