Who gets the money when there is a death claim?
Who we pay the lump sum to for a death claim depends on how you set up your policy.
Just you -the money goes to your estate.
If you aren’t the policy owner, it will go to the policy owner.
You and someone else- the money goes to the surviving policy owner when one of the people insured dies.
Someone else -the money goes to you when they die.
Two other people- the money goes to you when either of the people insured dies