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.
no
That is a federal requirement. Retirement benefits always have to be done in conjunction with the spouse.
Yes, the beneficiary of an inherited IRA (AKA beneficiary IRA) can name a beneficiary to that account. In the past, this was not really allowed so some form may still practice as such.
Laws vary from state to state and other countries. The divorce decree can specify that the spouse be named a beneficiary on a life insurance policy of a certain amount.
The death benefit of any life insurance policy with properly named beneficiary is federal tax free. What you do with the money...may be taxable. Fear not, you are in the clear. 4lifeguild It also depends on who paid the premiums. If a company paid, and deducted then it's a good chance the proceeds will be taxable.
Yes, you can sell a house without spousal consent it their name isn't on the mortgage. If their name is on the mortgage, you will need their consent.
Depends on the state in which you reside. If you live in a community property state such as California or Washington, the spouse has to have signed off and had the signature notarized for the spousal rights to be waived.
With cash of course......Yes... Spousal Consent would be needed if the property was to be purchased by taking out a loan in both spouses names...But there are no laws requiring spousal consent for another spouse to make cash purchases of property...
Credit life insurance, Mortgage insurance, or decreasing term insurance.
yes, although I would advise that if you are married you do consent your spouse, no adult with full mental capacity needs another adults consent to have surgery
If you will somehow suffer a financial loss upon his death, then you should be able to. An example would be if he is paying some sort of child support or spousal maintenance. He would need to be aware of that policy and assign you as a beneficiary.
Yes, you can get a divorce in California without spousal consent. California is a "no-fault" divorce state, which means that either spouse can request a divorce without needing the consent or agreement of the other spouse. However, the other spouse will still need to be officially served with divorce papers and has the right to respond to the request.