yes they can
Yes, a spouse can cash out their own life insurance policy in most cases. There may be some restrictions within the initial policy so this is an individual case basis.
If you have insurance through your employer, and you are the policy holder,(the insurance is in your name) this insurance will be primary for you, and your spouses insurance policy will be secondary. The insurance policy thru your spouse's employer, (your spouse is the policy holder, or the insurance is in their name), this would be primary for your spouse, and your policy would be their secondary. Here's the phamplet from Medicare http://www.medicare.gov/Publications/Pubs/pdf/02179.pdf
Yes, You can still get auto Insurance on your own.. It is common for people to exclude an unlicensed spouse from from coverage on their Auto insurance Policy. This way you don't get penalized for your spouses driving record.
The owner of the policy can change the beneficiary of the policy. If the original beneficiary has died before the insured, the owner of the policy can designate a new beneficiary at any time.
They can, but it usually requires the signature of the spouse. Insurance companies don't like to deal with surprised spouses not getting what they expected.
Yes - if the insurance company will allow it. Some medical insurance companies will not.
Not a life insurance policy....The insured party would be considered the policy owner therefore it could not be issued without their knowledge & consent.
If both you and your spouse have full medical coverage then the insurance compnay will revert back to your and your spouse's date of birth. Whoever's birthdate is first in a calendar year, then that is the primary insurance. For example, if your birthday is November 1, but your spouse's birthday is February 12, then your spouses insurance is primary for both of you.
They can if the spouse has insurance offered at their place of employment.
You can name anyone as beneficiary.