Q: What are a wife and kids chances of being entitled to a mans life insurance if it was left to his mother
A: You could pose your question to a Maryland attorney who works with estate matters. You'll find them on this site under the Probate and Estate Planning sections, or you could search for someone independently. However, your post remains open for three weeks. As a general premise, someone can designate whoever they want as beneficiary of a life insurance policy. That doesn't constitute bad faith on the part of an insurance carrier. Bad faith only possibly arises if the carrier willfully does something improper in handling the claim. Good luck
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