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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I would just follow the underwriter's instructions.  They have little leeway beyond what your father's instructions were to them.  If you mom is the beneficiary, you will probably have to re-open her estate to receive the funds.  I wouldn't get my hopes up in terms of big money, especialy with six siblings, but I bet it will be worth your time to get it done.[/quote]

In my experience, when you take out a life insurance policy they require you to designate one or more contingent beneficiaries in the event that the primary beneficiary pre-deceases the policyholder. I would bet that this is the case with your dad. It may be some combination of your siblings or someone else, but [b]I don't think your mom's estate will come into play[/b]. [/quote]

OP here.  That is my hope.  I really, REALLY do not want to re-open my mom's estate.  It was a pain to settle and one of my siblings is very difficult (understatement).  And I was so happy to file the last tax return in April.

If this is real, then it would be ideal for the siblings to have been designated as contingent beneficiaries and for each of us to file our own claim form.

RE scams, I am proceeding with great caution - I have not given any personal info over the phone.  I'm a lawyer and cautious by nature, so while this is not my area of practice, I know enough to be cautious.

Thanks, all. [/quote]

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