How can I invalidate a life insurance policy that my mother with dementia was forced to sign?

If you believe that your mother was forced to sign a life insurance policy due to her dementia, you may be able to invalidate the policy. However, the process can be complex and will depend on several factors, such as the specific circumstances surrounding the policy’s issuance, the state laws governing the contract, and the insurance company’s policies.

Here are some general steps you can take to invalidate a life insurance policy that your mother with dementia was forced to sign:

1. Contact the insurance company: The first step is to contact the insurance company and explain your concerns about the policy’s validity. You can ask for a copy of the policy and any documents related to its issuance, including the application and medical records.
2. Gather evidence: You will need to provide evidence that your mother was not competent to sign the policy or was forced to do so against her will. This may include medical records, witness statements, or any other relevant documents.
3. Consult an attorney: It is highly recommended that you consult an attorney who specializes in insurance law. They can advise you on the legal options available to you, as well as the process and timeline for contesting the policy.
4. File a claim: If you have evidence that the policy is invalid, you can file a claim with the insurance company to contest its validity. The insurer will likely conduct an investigation and may require additional information or evidence.
5. Consider legal action: If the insurance company does not agree to invalidate the policy, you may need to take legal action. This can be a complex and time-consuming process, so it’s important to have an experienced attorney on your side.

It’s worth noting that the process of invalidating a life insurance policy can be lengthy and may not always be successful. It’s important to carefully consider your options and seek legal advice before taking any action.

Asked February 4, 2019 by Frances Mangubat