Can I choose a third person as my life insurance beneficiary?

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PostPosted: Sat May 28, 2011 5:44 pm   Post subject:   

Hello Christian's Mother: Let me begin by offering my most sincere condolences on the loss of your son. What an incredibly tragic experience.

I'm going to break down your post and answer it in sections. I trust you'll get posts from others as well. I too spent some time in the USAF and still have my USGLI coverage.

My son, Airman 1st Class in the USAF, died in a car accident on May 3, 2011 while at home in Missouri for his grandfather’s death. He was married on Feb 10, 2011.

This may be more significant than you think. He obviously loved this woman and was legally married to her three months prior to his untimely death. I do not believe the military (or any life insurance company I can think of) has any type of "wait-n-see what happens in the marriage" period. Therefore, upon his death she was legally entitled to any military benefits or privileges due her - as his wife.

He had spoke to me and his brother just a few days before the car accident about his SGLI benefits and said when he enlisted he named me his mother beneficiary,

He probably did. Unless he had some college under his belt when he enlisted, he had around 2 years time-in-service. If, during any of that time, he was actively developing a relationship with the woman who would become his wife, I think there's a very good chance he may have changed her as his beneficiary. Speaking from experience, the very same thing happened to me. I changed my beneficiary from my mother to my wife within just a few days of the transition to active duty - that's generally what a husband does.

anyway his so called wife lived with him for a total of 11 days at his duty station in Florida,

In the eyes of the US Government and the insurance company, if she had a marriage certificate, her official title was not "so-called wife." She was the real deal. The length of time they spent together in Florida is irrelevant.

it is at this time I believe she changed his SGLI benefits on his computer into her name. I've looked at the website and it is pretty simple process to do

Remember when I said she was legally entitled to any military benefits or privileges due her - as his wife? Making herself his sole benficiary was one of them. As long as he authorized it - that was her right.

Because I've had this conversation with people many, many times, I anticipate the response "he wouldn't have authorized it, or she must have forged his signature." That's when I ask the wife if she ever signed her husband's name to a check or gave out any of his personal information because, as his wife, she felt she could so, and didn't require his permission. In most cases, they have.

Her mother and her were on the phone filing for benefits from the SGLI and car insurance company by 7am on the 3rd of May and he died at 1am on the morning of the 3rd of May.

I realize how insensitive her actions may have seemed, but, again, as his wife, she wasn't breaking any laws.

I contacted the insurance companies in recent days which will not even speak to me about any of it

As per a legal and binding contract, the insurance company obviously received a death claim, verified it, and paid the named beneficiary. What else would you suggest the insurance company do?

Again, I'm very sorry for your loss. You may have some legal rights I am not familiar with. You may want to discuss your concerns with counsel. Best wishes and good luck.


Please feel free to go to my website at or, if you have a specific question, you can email me directly. I hope I can answer any questions you might have. If not, I can certainly find an answer right away.
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PostPosted: Fri Apr 05, 2013 7:37 pm   Post subject: wrong payout after death  

How can MetLife refuse to correct a mistake after they receive the correct beneficiary information?

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PostPosted: Mon Apr 08, 2013 1:52 am   Post subject:   

What's the mistake?


CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
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PostPosted: Thu Sep 26, 2019 7:33 am   Post subject:   

yes, you can include any trusted person other than your blood relation or else contact your insurance agent to get a piece of advice for better options.

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PostPosted: Sat Sep 28, 2019 6:44 am   Post subject:   

Yes, you can choose the third person as my life insurance beneficiary and right to choose or change the beneficiary name any time.

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