Lic case

There are some exceptional rules & circumstances under which a third party (i.e. other than nominee) may have a right over the nominee with regards to the claim money.Here jotting down the points in simple language for your benefit. You may get an idea . 

1. As per the Law, though the nominee has the first right to the ‘death claim’ proceeds BUT a written (registered) WILL is more powerful than the nominee & can challenge the nominee in the court of law. That means a WILL can be more powerful than a nomination in some cases. 

2. In addition, the nominee can be changed any number of times by the concerned policy holder. The current (or last) nominee will supersede the previous nominees. Kindly also note the fact that nomination can also been done on a separate plain paper by the Insured which needs to be registered / acknowledged with the concerned Insurance company (Insurance Law). That means, it is not important that all nominations have to be there on the Insurance policy document. 

3. Another important point is, which you have must remember & note VERY CAREFULLY:- 

If you want to challenge the nominee, you need to get a halt order (stay order) from the court BEFORE the Insurance Company releases the death claim to the concerned nominees. Or else the Insurer, who has already sent the cheque to the nominee, will keep their hands clean of the matter & will direct the concerned party to fight it will the nominee directly, which is more difficult, as now the payment has been released. 
In other words, if you want to challenge the nominee, then you must get a stay order at the earliest basis your claim before the Insurance Company processes & releases the money to the registered nominees of the Insurance Policy.