I remember this question last week. Since your son is NOT named on the policy, it's highly unlikely that he'll be getting a check. The term "natural child" means, born out of wedlock. Sounds like he IS the "natural child", but if there was no court order for support or paternity agreement, and he's not listed as father on the birth certificate, you very well might have to PROVE paternity. Without listing a NAMED person, if he just said "my son" or "my children", legal paternity must be established first, and the children of his born INSIDE marriage, are LEGAL children, automatically. You need to read a copy of the paperwork you signed. Odds are, it's an agreement that you'll pay for the funeral, if life insurance doesn't pay out. Whoever is named beneficiary, gets the money, and they can do whatever they want with it. They have no obligation to PAY for that funeral. Now, however, it's quite possible that you have agreed to pay for the funeral, even if insurance doesn't pay. Funeral homes want SOMEONE to pay the bill. I sure hope you read what you signed, before you signed it. If not, I sure hope you have a copy. It's NOT likely that the insurance company is lying. It is remotely possible that the last rep you talked to, was confusing your policy with someone else's, or flat out gave you the wrong advice. At this point, the ONLY advice I have, is sit tight, and read that paperwork that you signed to see what, exactly, you've agreed to.