Illegitimate child

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asked on Jun 24, 2017 at 16:22
by   Sandy
I am an illegitimate child which my father passed away when I was 12 years old(I am 18 now). My father name was on my birth certificate. My father buy me an insurance and the money will be use for my future study since I was born. My father is the owner of the insurance(insurer) and I am the insured. The insurance will reach the maturity date in 2019(when I am 20 years old) . A few days ago my mother bring me to the insurance company and ask about the insurance. Only the spouse has the right to take the money. Unless the spouse provided us the document (what LA with the spouse signature) to change the owner of the insurance to my biological mother. So I am writing this post hope to seek help because the spouse didn't seem like want to provide the document and want to take the money away after the insurance reach the maturity date. (We didn't take a Sen from them since my father passed away or compete for the property, I jus want to take what my father buy for me)
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4 Answers

answered on Jun 24, 2017 at 17:19
by   vkpc
Check with the insurance company to see if there is any person appointed as a
assignee, trustee, nominee or "trust nominee" for the insurance policy.
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answered on Jun 24, 2017 at 21:35
by   Sandy
Dear vkpc, thanks for your help. I will go check with the insurance company tomorrow. In case there is no nominee appointed, then the spouse still have the first priority to take the money right? And my only way left is to discuss with the spouse? 
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answered on Dec 1, 2017 at 02:09
by   sharanpritam
Dear sandy, as far as i know, the insurance form has a column for beneficiary - usually its named person or estate.  If named person, you have no problem.  If estate, then you have to get the LA and money goes to estate.  But you can contest this in court of law.  Sharan pritam
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answered on Dec 1, 2017 at 02:37
by   DavidSoong
The new rules for insurance policies is


Beneficiaries is a big issue if died earlier and cannot be amended. It goes to the deceased beneficiary estate.
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