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1. Can you tell me the approximate date that your brother made the payment over the phone?
2. Can you give the date he passed away?
3. Did your brother sign something in writing to change the beneficiary?
4. Is the insurer now denying the claim or are they just asking you to make a final payment?
5. Did you see if the payment your brother made on the phone cleared his bank, credit card, debit card?
Based on this Texas case, I think it would be worth your while to consider the phone call option that I proposed so we can get to the bottom of what is going on:
U.S. District Court Judge John McBryde granted the insurer’s motion for summary judgment because the life insurance beneficiary failed to follow the proper procedure to reinstate a lapsed life insurance policy. In Hall v. Fidelity & Guaranty Life Insurance Company, 4:13-CV-394-A, 2014 WL 642802 (N.D. Tex. Feb. 18, 2014)