No, but you may need to ensure that the spouse if you are estranged cannot make a claim against this as an estate in the event of anything happening to you if that is what you want.
No.
No, but whoever you list they have to have an insurable interest such as another family member.
The declaration of a beneficiary or list of beneficiaries for an estate can be a difficult undertaking. The estate is typically given to the spouse. However, if this person is unable, one should list their closest relative who is capable of caring for the estate.
Doughroller.net has a list of 11 Online Retirement Calculators, including CNNMoney's retirement planner.
You can find a great list of Arizona retirement communities on the following website: http://www.srgseniorliving.com/assisted_living/region/retirement_living_az?gclid=COHTrs2YyKgCFQQ7gwodehexqg. They have a great list.
Once an insurance company (insurer) receives a valid proof of loss (claim form), the insurer will begin the process of contacting beneficiaries of any life insurance. The insurer will first contact the primary beneficiary. If unable to locate the primary beneficiary, or if the primary beneficiary is dead, the insurer will then move to the contingent beneficiary (second beneficiary). If the insurer has no response to the contingent beneficiary, the insurer then moves to the tertiary beneficiary (third beneficiary). Failure here will force the insurer to pay any life proceeds to the estate of the decedent, which can open the claim to the creditors of the decedent in most states. More than 40% of life insurance policies in America have no named beneficiary! Failure to name the beneficiary can leave your loved ones in a bind. Always name your beneficiaries. List one or more in each category (primary, contingent, tertiary) too. Most people name their spouse first, children as contingent, and parents or siblings as tertiary.
The executor has a duty to the estate to bring the best possible price for the liquidation of the assets. The executor will list the property for what it is worth, not what the beneficiary wants.
There are some websites that will help you get a list of retirement communities. To name a few, you could visit Retirement Communities Online, Top Retirements and AARP.
One website that gives a comphrensive list of retirement homes and their services is http://www.retirementhomes.com/. You need to input your zip code and the type of care you are looking for.
When filling out a job application you might have to list your gender. This might just be for the company's database.
From what understand, Illinois and Georgia are tops on the list.
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