You state that your campanion died but you haven't stated if you are a relative. The only way you could establish a claim would be through a creditor claim and the estate would have to be probated. Absent an agreement, a creditor claim would be difficult to prove. You need to speak to a probate attorney as you might be able to file a petition to probate your companion's estate.
You need to meet with a probate attorney and discuss your facts and what claim you would have against the estate, you need to file a creditor's claim within the one year statute of limitations.
I apologize, but I need to inquire into a personal matter. Were you a same sex couple? If so, were you registered domestic partners?
Did your companion make any promises of support?
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You are in a very difficult, but not uncommon situation. It would be helpful if you have some evidence of the agreement that the policy would go to you, preferably something in writing. Absent that your only option is to file a creditor's claim against your companion's estate provided probate will be opened. I am sorry for your situation and wish you the best of luck.
Once an estate has been opened, you need to file a creditors claim. If the claim is accepted, that is all you need to do. If the claim is not timely accepted, i.e., within 30 days, you need to file a lawsuit against the estate.
There are other deadlines. This pamphlet from the LA County Superior Court may be helpful:
I would advise consulting with an attorney and having an attorney prepare the creditor's claim for you.
Michael R. Daymude, Attorney at Law
Sherman Oaks Galleria – Comerica Bank Building
15303 Ventura Boulevard, Suite 900
Sherman Oaks, CA 91403-3199
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