My question involves insurance law for the state of: NEW JERSEY
My half sister who works for a prominent attorney in NJ is trying to contest me as beneficiary of my grandfather's life insurance policy. She was executor of his estate and beneficiary up until about a month and half before my grandfather passed.
My grandparents have lived with me for several years so my wife and I were their caregivers. My grandmother passed and about two weeks later my grandfather told me he wanted to make me beneficiary of the policy because something he didn't like came up between him and my sister(she remained executor). My grandfather was legally blind so I helped him call the insurance company to get the process started and he jumped on the phone to confirm that he wanted me to be the beneficiary. The paperwork for the change was received in the mail about a week later and because my grandfather was blind i filled out the paperwork and signed his name (don't have power of attorney).
We received confirmation that i was the beneficiary and about two weeks later my grandfather passed away unexpectedly. I submitted the claim and about a week later i received a separate letter in the mail stating my half sister is contesting me as beneficiary. I called the insurance company and they said she asked for copies of the change forms with signatures, but the company said they don't release them its between them and the insured.
The company told her she will need to provide court documents with the reason the beneficiary is being contested. My grandfather was of sound mind and they have the phone call recorded where he requested the change. What chance does my sister have of winning? What paperwork would she have to come up with to challenge it in court?