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@dinkold No, that isn't how it works. If OP is the beneficiary they will have the correct form sent to them. If they are not the beneficiary and send in a claim form, they will need to be denied, which will dely the claim for the actual beneficiary. No one with a legitimate claim to a life...

@airborne23 This was a group policy (the G in GVUL). There is no agent.

@peacewithin I work in claims. This is the answer. Set up a trust and make the trust the beneficiary.

@anonymous108723 Sorry for your loss. The insurer doesn't not want to pay out, they just want to ensure they are paying out --or not-- according to the terms of the policy. Was he a pedestrian in the hit and run, or driver of another vehicle? Many AD&D plans have an exclusion for insured...

@jwalk33 Who said anything about a collateral assignment? What OP describes sounds like an absolute or gift assignment, which does change the ownership. Collateral assignment wouldn't even make sense in this context.

@ryantee Matured basically just means the insured aged out. The policy couldn't have truly matured since the insured was deceased. If there was a death benefit in force when she passed away, it became payable on the date of death. It doesn't matter whether they knew she had died or not. They...

@jeshurun1111 That, and most of the time when someone 'needs' the services of a life insurance company, they are already experiencing a low point in their lives; the money can never come fast enough.