No.
Added: If it is an automobile policy or a 'blanket' policy that you intend to insure it with, yes, it will have to be listed. If the policy you refer to covers ONLY your vehicle, and no other, then no.
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.
this is a common question. it really depends on the company you are referring to. most major carriers require both spouses to be on the policy with the exception for the following reasons: 1-spouse not licensed 2-spouse cannot drive for medical reasons 3-spouse lives out of the country some companies will let you exclude your spouse from the policy. this means that he/she is listed and acknowledged as a licensed driver in your household but does not drive your vehicle. if you have your spouse excluded from your policy and they get in an at-fault accident in your vehicle there will not be coverage. usually it is cheaper to be rated as married on the auto insurance policy so you may want to get a quote for that. also, you should get the multiple vehicle discount.
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.
No
You can name anyone as beneficiary.
Your spouse can get a separate policy (usually cheaper) or you can contact your insurance company to get the right paperwork for adding your spouse. Adding your spouse as a beneficiary, your agent can help.