No. You can name who you choose as your beneficiary.
Your pet rock?
His life insurance policies should not be made payable to his estate. They should not pass by will because the proceeds may become subject to estate taxes. If there are multiple policies they each should have a named beneficiary. Your husband should seek the advice of a professional insurance advisor who can explain and discuss his options and how the policies should be titled.
Who is the beneficiary on the policy? insurance companies state "spouse" in all of their paper work, and you can not be a spouse without being legally married. i suppose it has to do with people being able to take out policies on each other without having legal rights to do so. common law is not considered a legal marriage between two people.
No. The beneficiary is whoever is specifically named on the policy.
Beneficiary unchanged.
The Insurance company should ideally check the validity of the relationship (whether legal spouse) at the time of issuing the contract or at the time of naming the beneficiary. Again the basic essence of Insurance contract is the valid insurable interest. I presume the Insurance contract is binding on the insurance company and the surviving spouse need to be compensated with the benefit amount of the Insurance contract.
If you are the insured you can change the beneficiary at any time as long as it is not an irrivocable beneficiary and there is insurable interest
This is not a legal question, but a question about the insurance policy. However, most insurance policies no longer allow children to be dependents if they are married.
Yes, a married couple does not need to have the same car insurance. They can both get their own policies and it may be more economical to do so.
Are you talking about insuring a vehicle twice at the same time. This is illegal. Why would you want to pay insurance twice on the same vehicle anyway. If there was a claim and you had two policies on it they would probably split the damages. You cannot legally make a profit on insurance. Also, only the person who legally owns the car can insure it. The only exception is a legally married couple.
Once you're married, you're legally considered an emancipated adult and would not be covered by your parents' insurance. You would be covered by your spouse's insurance.
I assume you mean a life insurance policy. First, no one can take out a life insurance policy without you personally answering the questions on the application then signing the application with a witness which usually has to be the licensed insurance agent. Secondly, the beneficiary has to have what is called an insurable interest. This means that they have to have a financial dependency on the insured person. This is where the person who would be the the beneficiary would have a financial loss if the insured happened to die like in a married couple situation. This prevents people from taking out insurance policies on anyone and basically betting they will die.