'This was his decision': Woman refuses to give up life insurance payout after cheating ex leaves her 50% and his baby mama and kid only 25%

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Isabella Penn
May 16, 2025 4:00 PM EDT

Life insurance policies can be a lifeline for grieving families, but they can also stir up some major drama. They're supposed to be a simple, straightforward way to the support loved ones left behind, but what happens when the payout doesn't go to who people expect? I recently came across a story where a woman was stunned to discover her mom had left everything to the neighbor instead of her. And as you can imagine, she wasn't exactly thrilled.

But sometimes, the drama isn't just about being left out; it's about who actually gets included. In this case, one woman found herself at the center of a family feud after her cheating ex passed away and left her 50% of his life insurance payout, while his baby mama and son only got 25% each. Not only that, but his car is also in her name, which apparently his baby mama needs for work. Now, she's being pressured to give up her share, but is she wrong for keeping it? Let's get into it.

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  • "AITA for refusing to give up my life insurance payout and asking my ex’s family to refinance the car he left me?"

    So my ex passed away recently in a work-related accident. It's sad, of course. I have a lot of mixed emotions about it. But the truth is, we hadn't been together in over a year when it happened.
    via throwsnsawa
  • We were together for five years, and we broke up because he cheated on me and got someone else pregnant. That breakup wrecked me. It took me a long time to recover. I haven't seen him since.
    via throwsnsawa
  • After the breakup, I went no contact. I've spent the past year healing, learning to be happy again, and moving on. I didn't go to the funeral. I didn't want to see the baby mama or his family.
    via throwsnsawa
  • And while I'm not happy he's gone, I can't say I'm devastated anymore either. I grieved this person when I left the relationship.
    via throwsnsawa
  • Now here's where things get complicated. Six months after our breakup, and after the baby was born, he took out a life insurance policy.
    via throwsnsawa
  • INSURANCE POLICY TERMS AND CONDITIONS T NOE UNITED OFAME wing will er they ghout this any Policy caused 2. Flood Exc hereunder, includ number and the item individually amendment to Q WB 51621676B Your and AS side 100 either by way o Your circumsta You will have laim. For three main Ex standard Excess this Policy unless noted next to the co
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  • In it, he named me as the 50% beneficiary. His mom and the baby mama each got 25%. I didn't know this until the insurance company called me. I assumed it was some
    via throwsnsawa
  • paperwork leftover from when we were together. But nope this was a new policy, dated well after the breakup. That means this was his decision.
    via throwsnsawa
  • At the same time, there's a car. He financed it while we were still together, but it's under my name and credit. I begged him for over a year to refinance it, to the point the only
    via throwsnsawa
  • reason I ever contacted him was for the refinancing of that car. He never refinanced that car, I doubt he was ever going to. Now that he's gone, it's still tied to me. The car
    via throwsnsawa
  • is sitting in my garage, and his family has reached out saying the baby mama needs it for work. I told them, fine. You can have it as soon as it's refinanced and no longer on my credit. I will
    via throwsnsawa

    She has a point…

    Like she owes his mistress her credit, too?

  • 00 STORYTARS
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  • GLADLY sign whatever paper they need. But I am not going to risk my credit on people I don't trust to make payments. And now they're demanding that I give up
    via throwsnsawa
  • the life insurance payout too. That I should "do the right thing" and give it to his mom or the baby mama. But here's the thing, I didn't ask for any of this. I didn't ask to be
    via throwsnsawa
  • put on that policy. He made that choice, after everything that happened. between us. Honestly?
    via throwsnsawa
  • I feel like I earned that money. I spent five years with that man. Five years dealing with the stress, the gaslighting, the emotional pain, the betrayal. I loved him
    via throwsnsawa
  • deeply and I lost so much trying to make that relationship work. I stayed with him until I found out his baby mama was pregnant, because he was actively hiding it from me at that time. I was with
    via throwsnsawa
  • him through the worst parts of his life. If anything, this money feels. like the only thing I ever got back from all the bulls . He chose to leave it to me. Probably because deep down, he knew how badly he treated me.
    via throwsnsawa
  • Business-Garbage-370 NTA. It's your money and your car. I'd block all of them and move on.
    via z
  • KrofftSurvivor Offer to sell them the car for the amount still owed on it. Then tell them they have two weeks to make that decision.And then you will put it on the open market yourself.
    via z
  • BrittanyBarnes 1917 Are we sure this was a work related accident or only he wanted it to look like one.
    via z
  • The timing of the policy and then the accident seems fishy. Maybe he felt very guilty for what he did and wanted to make a mends in a way?
    via z
  • Pascale73 NTA - he left that money *to you*, not to anyone else. It's yours. As for the car, honestly,
    via z
  • given the situation, I'd just sell it and move on with my life. Block his mother and his baby mama. At this point, they're nothing to you and are owed nothing. Leave them in your rear-view mirror.
    via z
  • Klutzy_Property83 NTA but you should have stopped before saying you earned the money.
    via z
  • Tell them not to contact you anymore. He didn't refinance the car like you asked him to and no one will ever know why he left you the life insurance payout. You
    via z
  • did your healing and now his family needs to heal too. They're not gonna do that by harassing you or even by getting the car or money because the truth is, he acted wrong, not you.
    via z
  • Sell the car, it's not going you any good.
    via z
  • teeshoye Girl, block them and move on.
    via z
  • He left you that AFTER you broke up so it was HIS decision. They don't like it?? Too bad!
    via z
  • And his AP should find a car. I would sell it to get it off of your credit. But block them and don't give them a penny!
    via z

Tags

family drama kids ex girlfriend car Female Empowerment life insurance payout cheating baby mama drama
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