Inheritance of an insurance policy is governed by the beneficiary designation supplied by the owner of the policy to the company. If you have reason to suspect that the designation was not the policy owner's true intention you should consult a probate attorney to review the situation and advise you.
I'm not sure I understand your question - are you saying that you believe you are entitled to collect on this policy even though someone else is named as the beneficiary? Generally speaking, the insurance policy will pay out to whomever the owner names as the beneficiary.
Do you mean the girlfriend is the beneficiary on the policy? If so, you cant claim it, unless the signature was obtained by fraud. A father has no obligation to name an adult child as a beneficary on a policy of insurance unless previously ordered by the court.
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