I am the nominated beneficiary of my partner's life insurance. There is no estate, just debt left behind. The insurance company will not pay me even though they're not disputing that I'm nominated sole beneficiary. In fact, during our last phone conversation they stated "we know you are the beneficiary but because of the amount, we are making you go though probate."
My partner and I have a 13 year old girl with mental heath issues solely deriving from her dad's death. This is backed up by the mental heath team and a psychiatrist. I've been told by family and friends who witnessed phone conversations between me and the insurance company that they have taken advantage of my mental state (which I am receiving medical help with) and the insurance company are aware of.
How can I get the insurance company to pay out the benefit to me?