is it considered fraud for overpayment on a whole life insurance policy?

I am a S.C. Attorney and a board certified internist.  My answer does not create an attorney/client relationship, nor do I solicit clients.  Your question lacks the details of exactly what occurred and, therefore, can not be adequately answered.  In S.C. you must establish that (1) the insurer or its agent made a false representation to your grandmother; (2) the insurer or its agent had a monetary interest in making the statement; (3) the insurer or its agent had a duty to communicate truthful information to your grandmother; (4) the insurer or its agent breached that duty; (5) your grandmother justifiably relied on this information; and (6) that your grandmother suffered a monetary loss as a result of relying on this information.  I suggest that you see an attorney who, like myself, does insurance litigation. Regards, I am Michael G. Sribnick, M.D., J.D. Attorney at Law Owner of Michael G. Sribnick, M.D., J.D., LLC www.michaelsribnicklaw.com