by mightyoak » Sun Jun 07, 2009 07:09 pm
Hello insurance guru's. I need to pick some brains. I'm new here and need some opinions. This is about a Veterans life insurance policy.
Heres what happened. Elderly father, age 80, on 14 medicines, oxygen, gravely ill. Changes his military life insurance policy over to his male friends WIFE. The day after he returns home from the hospital.
Husband and wife team of crooks.
They waited until I left the house to get groceries, supposedly to do this.
The husband: picks up his neighbor and his friend to be the witness. Another sick old man.
The policy gets changed, and remains a secret until one year later and my father dies.
A half an hour after he dies, the husband is on the telephone trying to get my fathers death certificates from the funeral home. Hum??? I think. What is up with that? i tracked it down with some detective work and it was a government life insurance policy.
Ok to make a long story short, the whole case is now in washington dc before the veterans board of appeals. Which is federal law. So its going to an appeal process and it will take a long long time there.
In the mean time, I file a civil state suit, against this couple. we are into what they call discovery and the deposition phase of the civil suit. Where questions are taken under oath.
The husband admits under OATH that HE FILLED IN HIS WIFES NAME ON THE FORM. He writes in his wifes name on my fathers life insurance form.
It appears to be my fathers signature and date? Is this fraud?
The husband says he was there at our home and he picked up the witness that eventful morning.
The witness says he drove himself, and that the husband was not there that morning. The stories do not match.
One more part of this story... There was a 45 minute evaluation done on my father by a shrink, who says he was COMPETENT.
Now ?why is a competent man NOT able to write the beneficiary person in on the form himself?
Can the husband write in his wifes name on my fathers government life insurance form? You wouldnt think so would you?????????
Now finally over at veterans affairs site, I find somewhere it says that if the veteran is competent, HE should COMPLETE and sign the form. HE should, not someone else.
What more of an important part of the life insurance form is there, than the beneficiary designation part.???
Anyone have any background or know this kind of thing?
my lawyer is busy with the civil suit, and he wont even waste his time on the VA. Because he knows its just a gigantic bureau.
anyone know where i can look this up some more.
quacks like a duck. I wonder exactly what did happen that day? How am i supposed to guess if the crooks dont know. whats your thoughts you insurance people? :shock:
Heres what happened. Elderly father, age 80, on 14 medicines, oxygen, gravely ill. Changes his military life insurance policy over to his male friends WIFE. The day after he returns home from the hospital.
Husband and wife team of crooks.
They waited until I left the house to get groceries, supposedly to do this.
The husband: picks up his neighbor and his friend to be the witness. Another sick old man.
The policy gets changed, and remains a secret until one year later and my father dies.
A half an hour after he dies, the husband is on the telephone trying to get my fathers death certificates from the funeral home. Hum??? I think. What is up with that? i tracked it down with some detective work and it was a government life insurance policy.
Ok to make a long story short, the whole case is now in washington dc before the veterans board of appeals. Which is federal law. So its going to an appeal process and it will take a long long time there.
In the mean time, I file a civil state suit, against this couple. we are into what they call discovery and the deposition phase of the civil suit. Where questions are taken under oath.
The husband admits under OATH that HE FILLED IN HIS WIFES NAME ON THE FORM. He writes in his wifes name on my fathers life insurance form.
It appears to be my fathers signature and date? Is this fraud?
The husband says he was there at our home and he picked up the witness that eventful morning.
The witness says he drove himself, and that the husband was not there that morning. The stories do not match.
One more part of this story... There was a 45 minute evaluation done on my father by a shrink, who says he was COMPETENT.
Now ?why is a competent man NOT able to write the beneficiary person in on the form himself?
Can the husband write in his wifes name on my fathers government life insurance form? You wouldnt think so would you?????????
Now finally over at veterans affairs site, I find somewhere it says that if the veteran is competent, HE should COMPLETE and sign the form. HE should, not someone else.
What more of an important part of the life insurance form is there, than the beneficiary designation part.???
Anyone have any background or know this kind of thing?
my lawyer is busy with the civil suit, and he wont even waste his time on the VA. Because he knows its just a gigantic bureau.
anyone know where i can look this up some more.
quacks like a duck. I wonder exactly what did happen that day? How am i supposed to guess if the crooks dont know. whats your thoughts you insurance people? :shock:
Posted: Tue Jun 09, 2009 04:38 pm Post Subject: more
Ok you guys. My mother had been on it since 1953. She passed first in 2002. And my father had never changed it over.
He put me on the house deed, the car, the accounts after she passed. I have no idea why he never changed the policy. Well the thing has been around since 1953. It was probably paid off in the 1970's.
I was never on The policy. (only child)It was changed from my mother to the male friends wife.
Now there maybe another angle. In the civil suit, my lawyer mentioned it would have passed intestate from my mother(dead) to me.
I did think it would be tough, but i never thought a crook would be so stupid as to admit he wrote his wifes name on the actual form?
Oh my crook left me some nice paper trails. I've been playing do it yourself private investigator. Kind of fun.
I have no idea how the con men gets the older men to love him. He's not impressing the 50 year old crowd.
We're all giggling.
Posted: Wed Jun 10, 2009 04:41 am Post Subject:
Oh my crook left me some nice paper trails.
Does it reveal anything helpful?
Posted: Wed Jun 10, 2009 06:38 am Post Subject:
I did think it would be tough, but i never thought a crook would be so stupid as to admit he wrote his wifes name on the actual form?
May be he is only starting off with his conman career. :)
By the way, I think you have a good chance to win since it'd be hard for them to prove insurable interest against your father’s policy. Though the wish of the policy holder is recognized most often in case of awarding benefits to the beneficiary but the court may listen to your position since you are the only living direct relation of the deceased.
~Jeremy
Posted: Wed Jun 10, 2009 10:44 am Post Subject:
By the way, I think you have a good chance to win since it'd be hard for them to prove insurable interest against your father’s policy. Though the wish of the policy holder is recognized most often in case of awarding benefits to the beneficiary but the court may listen to your position since you are the only living direct relation of the deceased.
They don't have to prove insurable interest. Insurable interest exists between the owner (the OP's dad) and the insured (the OP's dad). One always has insurable interest in one's life.
Posted: Wed Jun 10, 2009 11:30 am Post Subject:
Hey Mightyoak, can i ask how old are you?
Posted: Wed Jun 10, 2009 01:52 pm Post Subject: My age
I'm 48. How did I get this OLD?
I was wondering about the insurable interest too? I was reading that just the other day.
Heres whats coming down the pike next...
Soon, I am being forced into a thing called ADR. Adult Resolution Dispute. The courts make you go, in order to DEAL, so in hopes you dont clog up the court system with your case.
The policy was small only 48,000.
Now. Heres why I have been asking these questions. Its sort of important to know How the system( is going to look at, this husband guy, actually writing in his wifes name on my fathers policy) Like is this acceptible, common? illegal. Does it happen alot? Does it void the policy out? Things like that.
This gives me more to Bargain with. I was wondering how serious this is?
I know a forged signature would have been better, but this is pretty good.
Lots of paper trails.... Its been a nigtmare. They even drove my father to THEIR lawyer to get half of our house. Secret Health Poa over him. It goes on and on.
I saved everything, except the policy, because i never knew it existed. It was close tho. I almost lost half a house.
Its very amazing. To actually think someone can control another persons mind, like this. Watch your parents you guys. Look out for smooth talking new friends, nurses, hepful neighbors. It can get out of hand FAST.
All this happened in like the last year and a half of his life.
Posted: Thu Jun 11, 2009 04:55 am Post Subject:
Now. Heres why I have been asking these questions. Its sort of important to know How the system( is going to look at, this husband guy, actually writing in his wifes name on my fathers policy) Like is this acceptible, common? illegal
I think its mentioned before by some other poster that if the signature on the beneficiary change form is genuine then it mightn't be a case of fraud.
Posted: Thu Jun 11, 2009 05:23 am Post Subject:
Hi ICY,
Hey Mightyoak, can i ask how old are you?
I'd read through Mightyoak's explanation. But I didn't quite get your objective at asking his age over here.
Why do you need that?
Steven
Posted: Thu Jun 11, 2009 01:55 pm Post Subject:
Posted: Thu Jun 11, 2009 02:03 pm Post Subject:
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