✔ 最佳答案
按照你所描述,分配情況如下:
當B去世後而Z未有告知保險agent更改受益人,直至Z死去,Z的全數賠償金將會成為B的遺產。即使B死前已立遺囑,也未能預知將會有這額外資產,所以保險賠償會按照「無遺囑法」處理,由配偶、子女、父母和兄弟姊妹等承繼。如需詳情,可另行與我聯絡。
所以當受益人有任何變化,應立即告知保險agent,以免日後索償延誤或引起爭論。
2012-03-23 11:18:43 補充:
Correct. The policy owner won't assign a dead guy as beneficiary. However, when original beneficiary passed away & the owner unaware to reassign the beneficiary, such situation will occur.
The intestate situation is complicated & should handle case by case, pls contact me for further assistance.