OPEIU gets to keep the cash?

A union having so much cash that it offers a self-funded life insurance policy is collection too much money from it's members! 

But, suppose nobody is listed....   who do they pay if, god forbid, the inevidable?

Are they licensed in each State to be an insurance provider (where laws for insurance apply)?

about nothing 

... reimbursed for all those non-member "benefits" they are paying for!!

Their annual "fee" is supposed to be less all those non-member BS add-ons.   So, if the union is refunding members upwards of 100%+ their dues in "member benefits", then they shouldn't be COLLECTING a penny from agency fee payers, period!

A death benefit is a payout to the beneficiary of a life insurance policy, annuity, or pension when the insured person or annuitant dies. With life insurance policies, death benefits are not usually subject to income tax and named beneficiaries typically receive the death benefit as a lump-sum payment.

Owed to my beneficiaries upon death or dismemberment!

So, hopefully, you are not just winging it off the cuff!

And, applied equally now that you've set precedence.

And, thank you agency fee payers, for helping to fund it over and above what the normal regular dues paying member pays!   You, by law, are only suppose to be responsible for fair share costs, which is the fair share cost of union collective bargaining efforts, union contract administration, and grievance prosecution.    All that other nonsense we as regular member's benefit from that you don't (e.g., free Uber service from bars when too drunk to drive, death and/or dismemberment benefits , refunds on TSA line cutting privilages, scholarships for union elitists, annual anniversary dues reimbursements proving we pay too much, COVID "relief" payments for us working when you do too, etc) is simple fun money we appreciate you paying for more than we do ourselves even when we benefit from it and you don't.   As union guys, we like really getting over!

https://aftnj.org/wp-content/uploads/2016/06/A-Guide-to-Fair-Share-or-Agency-Fee-Procedures.pdf

Nonchargeable Activities:

Nonchargeable activities are expenses of an ideological or political nature not germane to collective bargaining. The U.S. Supreme Court has acknowledged that the government’s interest in labor peace and security justifies some infringement on employee First Amendment rights. However, unions must limit this infringement only to the extent necessary to combat the problem of free riders, the term used to refer to bargaining unit employees who gain the benefit of representation without paying for its cost. When unions participate in activities not furthering or germane to collective bargaining, it is not necessary to combat free ridership and represents an added encroachment on employee First Amendment rights. The following represents a list of activities found by the courts to be impermissible infringements on nonmember First Amendment rights and, therefore, nonchargeable: 

Lobbying unrelated to implementing or effectuating the collective bargaining agreement 

Organizing workers outside of the bargaining unit (in California organizing expenditures either inside or outside the unit are not allowed at all) ? Litigation not directly effecting the nonmembers' bargaining unit (but some extra-unit litigation is permissible, if it impacts the bargaining unit) 

Union activities not open to nonmember employees

Portions of union publications relating to matters apart from collective bargaining, contract administration and grievance adjustment

Public relations activities unrelated to collective bargaining ? Electoral politics, including ballot and bond issues

Certain costs related to strikes or work stoppages

Chargeable Activities:

Chargeable activities are those germane to collective bargaining, contract administration, and grievance adjustment.

Chargeable expenditures need not be directly related to these areas but they must be related in more than a minimal way. In other words, it is not necessary that for national or state dues to be chargeable, that the national and state federation must prove that they provided a certain amount of specific chargeable services to the local in question. The goal of this policy is to allow unions to reap the beneficial effects of affiliation. For example, the national and state offices of the union can bring significant economic, political and informational resources to its locals. Consequently, the locals are simply paying their fair share to receive such benefits, even if they are not needed in a particular year.

OPEIU didn't even attempt to look for her!   It was never paid out!

I'd call the union and ask them all your questions. but that really isn't the point is it. the point is to try to stir up trouble. in other words, you're a troll.

Without a specific beneficiary, wouldn't the life insurance benefit be part of the insured's estate?

Trust me, settling estates, even with sound wills and testaments, can be and often is a nasty, throat-cutting.

A death benefit is a payout to the beneficiary of a life insurance policy, annuity, or pension when the insured person or annuitant dies. With life insurance policies, death benefits are not usually subject to income tax and named beneficiaries typically receive the death benefit as a lump-sum payment.