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The only provision that will allow for transfer of benefits is in the case of the insureds death. In such case, the acting legal representative will be able to receive payment. But that legal representative is required to show actual proof of the relationship. If there is no a legal representative (an attorney, a guarding, custodian, parent, etc), the benefits will be paid a resident of the same house hold. Residency status will be required for the insurance company to make payment. The insurance company could delegate its duties if it is fair to the insured. If an insurance company purchases the company that wrote your policy, then as long as the burden on you (a lot higher premium), they can take over and pay the claim. Transfer of benefits and the Right of Counsel
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