Can a Credit Card company take the Life Insurance from the deceased beneficiary?

My sister passed away from cancer leaving her son as the beneficiary. But a credit card collection agency kept calling and inquired about any life insurance that she had. This had me a bit worried because he is a young college student who really needs the money badly.|||Nope, they cannot, as long as he was BENEFICIARY.





Debts are not inheritable. They have to "eat" that credit card balance, unless she has any estate, which would have to pay it off before anyone else (like son) could inherit it.





But, that's not going to stop them from trying to pressure son into paying them, ANYWAY. They are really slimey, and they'll lie through their teeth to try to get money.|||Keep in mind, there may be creditor life insurance which covers the balance due on the credit card, with the card issuer as the beneficiary.





If that s the case, then yes, the credit card company is entitled to that insurance..


Check a recent statement and see if there is something like " credit card protection, " or : creditor life insurance"mentioned on the statement.





Otherwise, the credit card co must file a claim with the person's estate.|||If a collection agency says something on the telephone, that means that it is probably not true.





If he is the beneficiary of the life insurance and he received nothing else from what she had when she died, then no.





If he received other things that should have been used to pay the debt, then he may be on the hook.





If the beneficiary of the life insurance is her estate and he is merely a beneficiary of her estate, then they are entitled to the money.|||Tell them your sister is dead if you want to send them a copy of the death certificate you can but you are not under any legal obligation to do so. Do not give them any information about any insurance. It is not an asset of the estate but they will harass this kid non-stop to intimidate him into paying.|||If the estate is the beneficiary then they can attach the estate, but if the son is the beneficiary there is nothing they can do. It's not that they won't use scare tactics, but just know they can only go after the estate. Nobody else is ever responsible for someone's debts unless they're married.|||No. Your sisters estate must pay all her debts. It there is nothing left, then the debts will go unpaid. Send them a copy of the death certificate and tell them they are not getting any money.





The life insurance payment is NOT part of her estate - that money is her son's.