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Life Insurance Laws

What is Life Insurance?

Life Insurance is a plan that consists of a person making monthly regular payments to a company during a person’s life time. When that person dies the company is entitled to pay funds to the beneficiary that is named by the deceased person. Experts answer the life insurance questions below.

Can a life insurance policy be changed by the power of attorney? If not can a life insurance policy stating beneficiary of 2 people be cashed by one person and the money kept by that person.

An agent that may hold the powers such as an attorney could be able to modify the names of beneficiaries that are on a person’s life insurance policy. The person that is acting as an agent has certain job requirements to the person that appointed them to be the agent. If the agent fails to carry out duties as they are told then the person could be charged with breach of said duty. If two or more people are chosen by the deceased person to be the beneficiaries’ then Life Insurance Company will make sure that each person receives individual check. If one beneficiary is issued a check and will not give money that is for the other beneficiary; then the second beneficiary can file a lawsuit for their part of the inheritance.

Is there a statute of limitations on collecting life insurance benefits in Michigan?

There isn’t a particular time frame to collect Life Insurance money that is has been left to a beneficiary. Although, if a person that has a claim on a life policy and if the insurance company rejects the claim that the person has issued, there would be a statute of limitation that would allow the person to sue the company for not allowing the person to seek the claim that was issued. The Statute of Limitations in Michigan is 6 years and it’s called the contract statute of limitations. If the insurance company decides to deny the beneficiary’s claim; the person will have 6 years from the time that the claim was denied to file a lawsuit against the company.

If a couple applies for life insurance; one person’s policy came in the mail but the other person’s policy has not. The insurance company stated policy is still in underwriting, during this situation the spouse died. What can the surviving individual do?

The person should find the documents that the deceased spouse signed and review through the policy to see when was it supposed to go into in effect. Also, legal assistance is suggested to review the proper terminology of what the contract states. It help is suggested so it will help the person to realize if the contract would benefit or hurt the person in any kind of way.

Can a person invest Individual Retirement Account in fractional settlements in one’s self in Minnesota?

The person will be allowed to use investment tool in a form of the Individual Retirement Account. If the person decides to seek this type of investment it is allowed. Lawfully, it is legal for the person to seek these actions. Minn. Statutes 2011 60A.957 to 2011 60A.9585 can be reviewed for more information.

Life Insurance laws are serious because every day in America there is someone who dies and soon after leaves money for a beneficiary to collect. What is Life Insurance? What is Life Insurance Act? What are the Life Insurance Provisions? Experts are here to help with Life Insurance Laws.

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Recent Life Insurance Questions

  • Hello, Veronica Pham here. I am trying to reapply for a Sales

    Hello,
    Veronica Pham here. I am trying to reapply for a Sales RE License. Back in 2002 I was out of work, holding a condo mortgage and sending out resumes and going to job fairs and still could not land a six figure income job. Meanwhile I had bills, auto and mortgage to pay every month. It became a financial hardship and desperation to make money. On April 2002, after coming from a job fair in San Meteo, I stopped into the Palo Alto Shopping center and was looking to buy pantyhose stockings to were with my tailor suites since the ones I had kept tearing and run lines getting bigger down the pantyhose. I found some bras and pantyhose that I liked at the Palo Alto Neiman Marcus that I like to buy. I went to pay for them at the cash register. I was frustrated and upset when they rejected my Visa card payment and said they only take American Express or the NM credit card.
    With the already months of job rejections and bills piling up, this Pantyhose and bra purchase Snapped me. I walked away and was Rejected from this purchase as well as job rejections and Bills to pay.
    I am wrong to have put the unpaid pantyhose and bras in my bag and left the store without paying for them. I did want to pay for them with my Visa card and the extra Rejection of the Visa card only added to my Job rejections, mortgage to pay and bills piling up. I am wrong for that.
    The shoplifting came to a grand total of $1,800 since they were a high end department store, the items added up Big. In 2002, I did 3 months community service, returned all merchandise back to the store, paid all my restitution and got an early Expungement in 2002.
    In 2006 I passed the Sales RE License exam but went to Hearing in 2008 with DRE Judge in Sacramento. Judge Green did not let me have the Sales RE License. He said the crime was still too recent between 2002 to 2008.
    I am now married and have a 2 1/2 yr son since 2011 and we live in West Sacramento next to the Railey Baseball field. My husband works in SF and we plan to live in San Rafael this coming June 2015. I would like to go back to work as a Vacation Time Share Sales Rep for Shell Vacations near Pier 39. They need a sales RE license to work there which is why I would like to re apply for the CA Sales RE License.
    Only one week form 2015, it has been 13 years ago that I have this conviction Expunged and would like to know if DRE will accept me if I pass the Exam and try to re apply for the RE Sales License to work for Shell Vacations near Pier 39. ?
  • How is it that one would get to speak to a cheif judge? Also

    How is it that one would get to speak to a cheif judge? Also if I get to do that what can he or she do.
  • I am trying to help my 46 year old niece get on some form of

    I am trying to help my 46 year old niece get on some form of disability income as she has mental and physical issues that prevent her from working. We filed for social security disability and they said she had only 8 work credits and she needed 20. We live in Indiana, and my question is there some way to get around this or is there some other type of assistance she could apply for the would give her some income. i have been helping her for some time, but I retired and am no longer able to help her like I used to. Thank You
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