A beneficiary of your insurance. It is because of your wife that you added her. You did not list her as your dependent in the application so what is your problem? I have a similar situation. The stepchildren are listed as beneficiaries of my policy with Enterprise Life Insurance. In the application i didn't list them as dependents but my wife did. I submitted school fee paying receipts to AVO that i am taking care of my wife dependents. They were still not convinced and had to request for DNA test. Mind my words you will go for dna test. If you like, you can talk to your insurers to name her as a beneficiary. That will also be a conventional approach. Invariably, all dependents are being asked to undergo DNA test because of past experiences of our brothers and sisters. To be on the safest side talk to the insurance company to change it from a daughter to a beneficiary. Explain it to them why you want to go that direction. My wife was not a beneficiary to my insurance but i had to rope her in during the filing of application. Hurry up cos time is not on your side.