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Q: How do you find out about a certain ins. policy with Clarica?
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When is life ins policy become effective?

On the policy issued date, which is stated in the policy.


Can you take a second health insurance policy in order to get your husband covered because the first policy won't cover a spouse?

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With a company life insurance policy for your spouse if he dies and you both owe back taxes to the IRS can the company take the money to pay the IRS before you get the payout from the life ins co?

No, if you are the beneficiary of the policy you will receive the money in full from the ins company, not the employer. If the employer is the beneficiary and they have an agreement to pay you a specific amount from the death benefit then yes they can. But this is rare. If it is just a regular company offered group life ins policy your contract is with the life ins company, not the employer. So the employer has nothing to do with the process of you being paid. You will receive a check from the ins co as soon as they receive the death certificate. But the IRS can take the money from your bank account....they will always find a way to get what they say is owed to them!


How do you find out if someone has a policy on you?

My sister passed away yesterday, and I was informed that her ex husband had a life ins. policy on her. I would like to find out if this is true? Please help me. Thank You, Teresa Fantozzi As far as I know, unless you have ownership right to the policy, the only way to find out is by asking your sister's ex husband. You may want to consult a lawyer as there can be differences between states.