I really hope someone can help me...

[VolAgent]

Just as the beneficiary designations trump whatever is in a will...same goes for state law. The insurance company is going to pay according to the contract.

According to the contract in compliance with state law. Any clause of a contract that violate state or federal law is null and void. Any contract containing such a clause and not having a severability clause is completely null and void.

A beneficiary designation trumps the will because state law says so.

So again I ask to SquishyDolphin, what does he mean when he says that the company said the policy precedes state law?

 

[scagnt83]

An Insurance Contract most definitely does not override State Law.

Insurance Contracts are approved by each State they are sold in. Part of that approval process is making sure the contract provisions conform to state laws.