Life & Health Insurance/fraud


what can be done when a life insurance is paid out to the wrong person wherein the person who was paid the life insurance policy did so by doing the following;
1. filing a false affidavit that she was the guardian of the beneficiaries (minors - fraudulent person's nephews)
2. Withheld facts of contents of affidavit from person who signed affidavit as a witness (defrauded this person, as well)
3. Never informed mother of children nor children (beneficiaries) that a life insurance policy was in place at time of father's death (mother of children and person who died never married, but had children together)
4. After having received $400,000.00, continues to conceal this information from true beneficiaries (her nephews)

First, I apologize for the delay in responding to you.  I've been ill lately and just got back in the groove today.
If all the facts you outlined are accurate, you have a serious criminal situation and should contact the district attorney in your community as soon as possible.  Determining jurisdiction in this case could be tricky if the affadavit was signed in a different area than you reside in, but I would suggest starting with your own local D.A.
In addition, the insurer was very negligent (in my opinion) by paying the benefits to a person based solely on their own affidavit and without consulting any other family members.
Good luck,
Bill Hezzelwood

Life & Health Insurance

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William Hezzelwood


I can answer almost any question about life insurance, such as: 1) What kinds of life insurance are available? 2) I have an old policy that is in danger of lapsing...should I pay more money into it? 3) I think my insurance company is not treating me I have grounds to sue them? 4) My agent has proposed that I buy insurance from company that a good, reputable company?


I am recently retired from a 40-year career as an actuary for a major life insurance company. I worked in the life insurance division and had a wide variety of responsibilities, such as: product development, systems development and management, field compensation, and program management.

Fellow of the Society of Actuaries (by examination) Member of the American Academy of Actuaries Member of the Forensic Expert Witness Association Member of the American Association of Economic and Financial Experts Member of the National Association of Forensic Economics Member of the Financial Planning Association of Orange County

I have a B.S. in Business Administration (major in Actuarial Science) from Drake University.

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