A life insurance policy is a contract and therefor no state or other entity can invalidate it. If you are the owner or irrevocable beneficiary, no one can change that but you. However, if the individual decides to stop paying on the policy it may expire.
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
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.
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.
In rare cases, a person will make a close friend or relative the beneficiary of their life insurance policy instead of their spouse.
If your spouse has no drivers license and does not drive, then no, you don't have to include them on your auto insurance policy. Actually, they have to have a drivers license before they can be added to the policy.
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.
No, the spouse is not. The beneficiary is named. There are laws that require the spouse to sign an acknowledgement that there is life insurance that she is not the beneficiary of.
No. The beneficiary is whoever is specifically named on the policy.
spouse did not know name was on policy or that the other name was removed without knowledge
Are you referring to a group policy offered through work or an individually owned life insurance policy? For individual life insurance policies, the owner of the policy has complete control and can name anyone they like as the beneficiary, and the owner does not need spousal permission to do this.