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Ask the Life Insurance Expert
My father named his girlfriend as beneficiary on his life insurance in 2005 but changed his beneficiary to his daughter. The insurance company has sent her a letter telling her to settle with the girlfriend. She is the last beneficiary. What should I do?
I highly doubt that the life insurance company has sent a letter telling your sister to "settle" things with his girlfriend. Have you actually seen this letter?
The life insurance policy is a legal contract and the insurer will pay the death benefit to the person listed on the policy. If your father put your sister as only the beneficiary, she is entitled to 100 percent of the money. It doesn't matter who was previously listed.
Life insurance companies don't tell people to "work it out" among themselves. Someone isn't telling you the truth.
If you do have a questionable circumstance surrounding the death benefit, I recommend you contact your state department of insurance for help. Here's state department of insurance contact information.