by bellacraft » Thu Feb 04, 2010 07:50 pm
My husband disappeared six years ago. I have all his insurance policies. It is rumoured he is living in another country. I have no proof of this or whether he is dead or alive. Can I claim on these policies (life)
He had no assets when he left and left me with his debts to pay.
He had no assets when he left and left me with his debts to pay.
Posted: Thu Feb 04, 2010 10:42 pm Post Subject:
I'm not trying to be smug here, but I think this line should answer your question:
It is rumoured he is living in another country
All insurance companies require proof of death while the policy was in force. Unless you can get someone to declare him dead, there's not going to be a payment.
Posted: Thu Feb 04, 2010 11:29 pm Post Subject:
You would need to go to court get in front of a judge and have him declared legally dead...and it doesn't sound like you'll be able to do that or will you?
I gotta ask...did you ever get a divorce? and Why have you continued to pay on these policys all these years?
Posted: Fri Feb 05, 2010 04:23 am Post Subject:
I tried to get a divorce some years back, but the judge said a notice has to put in his local newspaper and I did not know wher he was so it was thrown out. I did not continue to pay the policies, they were "paid up" when he left. I am 65 and living on a government pension and my age makes me unemployable in this this country. Is there not a period of 7 years when I can go and declare him dead?. Thank you.
Posted: Fri Feb 05, 2010 06:09 am Post Subject: Declaring a missing person dead
The insurance company would demand evidence of his death before it agrees to pay you the amount. Declaring a missing person dead might involve several legal complexities. So you must make a thorough search and document it as evidence before you file a petition with the court. Generally an unexplained absence of 7years is presumed to be dead. However, the evidences produced in the court must point towards death to declare a missing person dead. If it points towards life, the legal waiting game begins.
Posted: Fri Feb 05, 2010 02:09 pm Post Subject:
Is there not a period of 7 years when I can go and declare him dead?. Thank you.
I think there is but as posted, the evidence would have to led to him being dead instead of just not wanting contact with anyone. And even if you can prove him legally dead, I'm not sure a carrier would be bound by that..no death certificate would be issued would it?Tenured agents...what do you think?
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