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Generally no. The insured must generally sign the application and take a physical. There are a FEW speciality policies that might do this. Here's ONE. http://www.piu.org/pdf/Confidential%20Life%20501.pdf It won't do spouses though.

For more info see www.SteveShorr.com/life.htm

Of course he can take her off the policy and he can do that without her notice.He can have anyone at all as beneficiary

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Q: In the state of New Jersey can a husband take his wife off of his life insurance policy as beneficiary without her knowledge or signature?
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In Pennsylvania can a wife purchase a life insurance policy for her husband with herself as beneficiary without his knowledge or signature?

No. You must have the signature of the insured person.


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Can husband collect life insurance if wife dies unexpectedly?

If the husband was the named beneficiary of the policy, if the policy was in force at the time of death, and if the cause of death was not excluded by the policy, the general answer is "Yes". If the beneficiary was the estate of the wife, the proceeds are paid to the estate. Then, if the husband was a beneficiary of the estate (either by virtue of a Will naming him as beneficiary, or if no Will, through the laws of intestate succession), he may be entitled to all or a part of the insurance proceeds. If the beneficiary of the life insurance policy was someone other than the husband as of the time of the wife's death, proceeds are payable to that person.


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How can second divorced wife collect deceased husbands insurance policy when first deceased wife of husband is still named beneficiary?

In order to ensure that a wife collects her deceased husband's insurance policy, it is beneficial to transfer the beneficiary of the policy while the husband is still alive. If the beneficiary of the policy is also deceased, it would be wise to seek legal help.


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