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Grant of Letter of Administration
13 May 2021 (323 views)

Many years ago, Mr. X took a life insurance policy with a sum assured above $200,000 and named his sister as the beneficiary. This policy was taken before Mr. X was married.

Mr. X passed away recently leaving a daughter who is a minor. He and his wife was divorced. He has a surviving mother and sister.

The insurance company did not approve the claim by the sister as the beneficiary. The insurance company insisted on a Grant of Letter of Administration to pay the claim. The lawyer said that the GLOA would take 6 months to be issued. The family needed the money urgently to take care of the daughter.

The sister asked for my help to find a way to expedite the claim. 

I checked the website and found this webpage from a government website. 

https://www.areyouready.gov.sg/Pages/News_Policyholders-advised-to-name-their-beneficiaries_SUT20150510.aspx

I asked the claimant to check the following points with the insurance company and the laywer:

a) Was the initial appointment of the sister as the beneficiary valid? If not, why was this the case?

b) Is it possible for the surviving mother or sister to make a claim for $150,000 as the rightful claimant under the law? The balance of the claim to be settled when the GLOA was issued.

I am not familiar with the current law and practice on the settlement of life insurance claims. If anyone is familiar with this matter, please contact me.

Tan Kin Lian
 


Grant of Letter of Administration
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Many years ago, Mr. X took a life insurance policy with a sum assured above $200,000 and named his sister as the beneficiary. This policy was taken before Mr. X was married.

Mr. X passed away recently leaving a daughter who is a minor. He and his wife was divorced. He has a surviving mother and sister.

The insurance company did not approve the claim by the sister as the beneficiary. The insurance company insisted on a Grant of Letter of Administration to pay the claim. The lawyer said that the GLOA would take 6 months to be issued. The family needed the money urgently to take care of the daughter.

The sister asked for my help to find a way to expedite the claim. 

I checked the website and found this webpage from a government website. 

https://www.areyouready.gov.sg/Pages/News_Policyholders-advised-to-name-their-beneficiaries_SUT20150510.aspx

I asked the claimant to check the following points with the insurance company and the laywer:

a) Was the initial appointment of the sister as the beneficiary valid? If not, why was this the case?

b) Is it possible for the surviving mother or sister to make a claim for $150,000 as the rightful claimant under the law? The balance of the claim to be settled when the GLOA was issued.

I am not familiar with the current law and practice on the settlement of life insurance claims. If anyone is familiar with this matter, please contact me.

Tan Kin Lian