Best way to handle this

[Special Agent]

clients daughter called me and wants her mom to assign 10k standard life policy that i wrote to local funeral home.the current beneficiary is clients son who she now doesn't want to get the death benefits .the client now has dementia and the daughter said she prefers not to be beneficiary.can this even be done if so what the best way to do this.

 

[WinoBlues]

Many people will say I over kill on this kinda stuff.

I would document everything. I would ask the owner what she wants me to do. I would do that. Document. Then send it to the HO and send an email stating what I have been told about her maybe having dementia. Then let the company deal with it.
They have bigger lawyers than I do.
I by practice take a picture of people's IDs at the meetings. So if the daughter was there I would Document that as well. I am not getting in the middle of a family fight.

Many ways to do what we do.

Just my devalued 2cents.

 

[WinoBlues]

Many people will say I over kill on this kinda stuff.

I would document everything. I would ask the owner what she wants me to do. I would do that. Document. Then send it to the HO and send an email stating what I have been told about her maybe having dementia. Then let the company deal with it.
They have bigger lawyers than I do.
I by practice take a picture of people's IDs at the meetings. So if the daughter was there I would Document that as well. I am not getting in the middle of a family fight.

Many ways to do what we do.

Just my devalued 2cents.

Oh, also I would add any text messaging to the digital file.

 

[Life Hawk]

100%

Steer clear of somethings... original intent, especially in the presence of dementia means something.

 

[rmhaire]

clients daughter called me and wants her mom to assign 10k standard life policy that i wrote to local funeral home.the current beneficiary is clients son who she now doesn't want to get the death benefits .the client now has dementia and the daughter said she prefers not to be beneficiary.can this even be done if so what the best way to do this.

The best way to do this is don't.

I don't know about FL but in GA a person with dementia can't sign legal documents. This lady needs a guardian or conservator. And that comes from the probate court.

 

[jdeasy]

The best way to do this is don't.

I don't know about FL but in GA a person with dementia can't sign legal documents. This lady needs a guardian or conservator. And that comes from the probate court.

That's what I was going to say. If the person has a POA then deal with the POA. If they don't have a POA then don't do anything until one is appointed. Then deal with it after one is appointed.

 

[WinoBlues]

Question - how do we, as agents, know she has been diagnosed with dementia?

If she or her daughter calls for service how do you handle that?

 

[WinoBlues]

I really like these type of threads.

 

[rmhaire]

Question - how do we, as agents, know she has been diagnosed with dementia?

If she or her daughter calls for service how do you handle that?

At first you probably won't. Each situation is different.

Sometimes you pick up on it by talking to the client. Other times when a family member starts calling.

As for service, we can only deal with the client, the owner or their legal representative. Kids and cousins don't count.

 

[jdeasy]

Question - how do we, as agents, know she has been diagnosed with dementia?

If she or her daughter calls for service how do you handle that?

Good point. We don't know. And if a doctor hasn't then she is OK to sign. But, if a family member tells me that the owner may have, or does have, dementia I'm not asking for a doctor's report. I'm still saying we need a POA or they can contact the company direct. I'm not being a party to case where dementia has been raised as a possibility.


Shit rolls downhill. Where is the agent on that hill when the family says, "we told him Ma wasn't right in the head"?