Topic : Parties – Beneficiaries
Buenaventura Ebrado applied for life and accident insurance where Carponia (common law wife) was made as the revocable beneficiary in his policy. Ebrado died as a result of an accident when he was hit by a falling branch of a tree.
Carponia T. Ebrado filed with the insurer a claim for the proceeds of the Policy as the designated beneficiary therein, although she admits that she and the insured were merely living as husband and wife without the benefit of marriage.
Pascuala Vda. de Ebrado also filed her claim as the widow of the deceased insured. She asserts that she is the one entitled to the insurance proceeds, not the common-law wife.