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Insurance policy

2 replies

mumzy7xx · 22/01/2025 17:31

Back story.
My partner passed away. We have a 2 year old DD together. Not married but lived together past 4 years. I believe he took a life insurance policy out as he told me if anything was to happen me and DD would be ok. MIL and BIL said they were taking care of everything so I gave them all the documents. I understand our daughter would be his beneficiary and the mortgage would be paid off with some left in trust for her. He’s died in testate and his mum his next of kin. The situation has become contentious to say the least. However I’ve been told they have no update in the last 6 weeks but she told me yesterday she’s seen a document that my late partner has named his mother to be his beneficiary. And she is infact not going to pay the mortgage off. And instead put all money in trust for her until she’s age 25. I have no idea if these documents she’s seen exist but apparently he’s also mentioned it’s for the upbringing of his children. I know for a fact he would want us to stay in this house it’s our home. And with the security of that I would be able to give DD best possible upbringing here and she would take over once she’s 18. Can she really sell it if she’s beneficiary even if his DD is living here? Just to note this was a sole mortgage in his name alone. Thanks for reading I am seeking legal advice when I’ve seen concrete proof as we have still not even received his PM or death certificate. Thank you

OP posts:
messybutfun · 22/01/2025 18:23

If he died intestate and unmarried, then his estate will pass to his children, if your daughter is his only child, she gets everything. You may have a claim on the estate as a dependant. As your daughter is a minor, assets will need to be put in a trust for her. It is not up to his mother to make herself a trustee.

If he has life insurance with her as a beneficiary, that’s obviously different.

nordicwannabe · 22/01/2025 22:41

Get in touch directly with the life insurance company and speak to them. If you don't know which company it is, then look up a list and call each in turn. Data protection no longer applies once someone is deceased - although they do have a responsibility to protect the data of anyone living like your MIL - and if you explain that you believe that your daughter is the beneficiary, they will definitely help you figure it out.

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