Insurance Maramag
Content
Lessons Applicable: To whom insurance proceeds payable (Insurance)
FACTS:
Loreto Maramag designated as beneiciary his concubine !"a de #u$man Maramag
%icenta Maramag and &dessa' arl rian' and Trisha Angelie (heirs o Loreto Maramag) and his concubine !"a de #u$man Maramag' also suspected in the *illing o Loreto and his illegitimate children are claiming or his insurance+ %icenta alleges that !"a is dis,ualiied rom claiming
-TC: #ranted . ci"il code does /&T apply
CA: dismissed the case or lac* o 0urisdiction or iling beyond reglementary period
ISS1!: 23/ !"a can claim e"en though prohibited under the ci"il code against donation
4!L5: 6!S+ 7etition is 5!/I!5+ Any person who is orbidden rom recei"ing any donation under Article 89
cannot be named beneiciary o a lie insurance policy o the person who cannot
ma*e any donation to him I a concubine is made the beneiciary' it is belie"ed that the insurance contract will still remain "alid' but the indemnity must go to the legal heirs and not to the concubine' or e"idently' what is prohibited under Art+ ;<=; is the naming o
the improper beneiciary+ S!CTI&/ >9+ The insurance proceeds shall be applied e?clusi"ely to the proper interest o the person in whose name or or whose beneit it is made unless otherwise speciied in the policy+
#-: only persons entitled to claim the insurance proceeds are either the insured' i still ali"e@ or the beneiciary' i the insured is already deceased' upon the maturation o the policy+ !: situation where the insurance contract was intended to beneit third persons who are not parties to the same in the orm o a"orable stipulations or indemnity+ In such a case' third parties may directly sue and claim rom the insurer
It is only in cases where the insured has not designated any beneiciary' or when the designated beneiciary is dis,ualiied by law to recei"e the proceeds' that the insurance policy proceeds shall redound to the beneit o the estate o the insured
