1st and 2nd Beneficiary of a vivacity insurance policy dies back the insured, How capture the benefits?

My father was the 1st beneficiary and my mother 2nd. my mother died 6 years ago, and my father 2 years ago. my uncle (the insured) died last year. I've post all of the document the insurance company asked for but I don't have the productive policy. The insurance company mail back a dispatch asking for the executor of my uncle's estate. I am the executor of my mother and father's estate. And they has a second letter that states twice "My identify the executor of my father please sign to withdrawal your claim because this estates is not the beneficiary". I gave a copy of the post to the attorney whom is working on my parents sessions. He states that how can someone that is dead can be a beneficiary, but later mouth he states that the money goes to my father estate. My parent also have a similar policy for me and I don't see a clause that states that the benefits dance to the insured estate.

What can I do?
Answers:
If, at the death of the insured, assuming the insured be also the owner of the policy, there was not a surviving primary or contingent beneficiary, the insurance company have no choice but to pay the proceeds of the policy to the insured's estate.

There should be a clause in the policy explaining what happen to the proceeds if there is not a surviving beneficiary at the time of death of the insured. Re-read your policy. If, by fortune, that there is not a clause in your policy, it doesn't situation. The proceeds go to the insured's estate if there is no surviving beneficiary. Source(s): Retired agent, 30 yrs.
If your parents both died before your uncle, the insurance benefit would go to your uncle's estate. Who is the executor of your uncle's estate?

If you hold an attorney still working on probating your mother's and father's estates, he should know that if the named beneficiaries died before the insured, the insurance go to the estate. If he doesn't and is actually still working charging for probate work on your parents who died 2 and 6 years ago, maybe you should consult another attorney.

If your parents have insurance policies that name you beneficiary, you would receive the proceeds since you are alive. It really isn't the same article at all.
Sounds like the beneficiary is the executor of your Uncle's estate. If the 1st and 2nd die before the policy holder dies next an automatic 3rd beneficiary arises and that your be the executor to your Uncles estate.

It looks like you may be out of luck. I realize you don't see the clause that states where the benefits jump but it surely doesn't state that it would go to a sibling's estate. That is why there are beneficiaries on go insurance policies, other wise all assets usually be in motion the the deceased's estate.

You should have a talk near the agent who originally wrote your parents policy to see if they can explain it any better.
Depends on how exactly it's written. Might budge back to your uncle's estate.
If your father was primary, and your mother contingency beneficiary, later likely your uncle's estate will get the money.

Right. Someone who is comatose, cannot be beneficiary. It does NOT automatically go to your father's heirs.

It's travel case law, that the money goes to the uncle's estate, if he didn't update his policy, after his primary and contingency beneficiaries died.

Sorry.

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