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You can apply for it and pay for it but you must get the ex's signature on the application. Usually this is written into the divorce agreement if kids are involved. If there is child support payments or alimony I would check with your lawyer if your ex will not sign. 4LifeGuild
What else can I help you with?
Can someone take out a life insurance policy on someone that they do not know?
Typically, the person being insured must consent to the life insurance policy. Without the person's consent or insurable interest, it is not permissible to take out a policy on them. Doing so could be considered fraudulent.
How can one be disinherited legally?
Laws vary from state to state. In most a person can be mentioned in a will with the comment that the person is legally disinherited. Some states will not allow you to do this for a spouse or a minor child and have provisions to take care of them even if your will says otherwise. Another way is to transfer all of one's real property reserving a life estate and listing the persons you choose to have your property as remaindermen. Upon your death the fee will be owned free and clear of the life estate by the remaindermen. There is also a living trust
Is it legally possible for man to take his wife's surname in the Philippines?
Yes, it is legally possible for a man to take his wife's surname in the Philippines through a process known as "substitution of surname." This can be done by filing a petition in court and obtaining a court order to legally change the surname.
When getting married do you keep your middle name or maiden name?
In the US, you have options for what you would like for your name to be after marriage. You may keep your name as given, you may drop you current last name and take your spouse's, you may drop your middle name, move your maiden to middle and take your spouse's last, you may tack the new last name to the end and have 4 names, you may hyphenate, you may merge your current and your spouse's name to form a new last, etc.
What rights do you have as an estranged wife are you still considered to be legal next of kin?
A legally married couple remains married until the marriage is dissolved by a divorce decree. If you are estranged from your husband and he dies you would be the surviving spouse and listed in the next of kin. You would take an intestate share of his estate as the surviving spouse according to your state laws of intestacy.
Is there a way that anyone can legally take out life insurance on you?
I believe it has to be a relative.
Do you have to be a relative or wife to open a insurance policy on someone?
In order to take out life insurance on someone, you have to have what is legally known as "insurable interest" in that person. A spouse or dependant has an obvious insurable interest, but there are other cases as well. For example, a business can take out life insurance on a particularly valued employee. This is known as "key man insurance" (apparently key women are not as important) since the death of an employee can cause financial problems for the employer.
How do you get help financially when you take care of your spouse?
I think insurance plays a big role.it will cover medical and dental plus a life insurance.
Can a son take a life insurance for his mother without her knowledge?
No, Not legally. you must get her signature on the application.
Is there a state law that says a spouse has priority over other beneficiaries on a life insurance policy?
Life insurance is a contract between the insurance company and the insured. I have never encountered any laws that allow a spouse to take priority over the beneficiaries designated by the insured. Many companies have rules that if the wife is not designated as the beneficiary on the company provided life insurance, the spouse must sign off on the policy before it will be issued.
When there is Life insurance on a spouse that has an ex-wife and minor child and spouse that dies is behind in child support can ex-wife take life insurance benefits that are the current spouses?
No, if she was the named beneficiary the benefits belongs to her, and she has no legal responsibility for the deceased's children.
You heard a phone message on your fiances phone about getting life insurance you are planning to get marriedCan he take out life insurance on you without you signing and consent after getting married?
No, not legally. You as the insured would have to sign the application. That would be true even if you were going to be a "spouse" rider on a policy of his. James Medici, CLU,CLTC Charlotte, NC
Is it legal to take a life insurance policy out on ex-spouse?
Is there an insurable interest, like child support, alimony, estate planning for the kids? Is the x-spouse willing to sign the application and take the physical?
What is the average coverage on a spouse?
The average amount of life insurance can vary for your spouse based on several factors, including gender of your spouse, their age and health, the cost of life insurance, as well as other factors. In 2002, the average new individual life insurance policy was $129,459. Source: American Council of Life Insurers The amount you need for life insurance for your spouse may vary depending on the value your spouse provides, do they work and earn an income? If they are a stay-at-home spouse, what work around the home do they take care of that you would have to pay for if they were no longer there? Do they take care of the kids, wash clothes, clean the house, run errands, etc? It may cost quite a bit to replace all the work a stay-at-home spouse performs on a regular basis. You may want to use a life insurance calculator to help you in determining your life insurance needs for your spouse. There's a good calculator available at http://swz.salary.com/momsalarywizard/layoutscripts/mswl_newsearch.asp that provides a way of determining what mom's work at home is worth. They also have one for stay-at-home dads, too.
If you take out a life insurance policy name your father as beneficiary and then get married but don't change the beneficiary to your spouse does the spouse have any rights to the policy?
No. The beneficiary is whoever is specifically named on the policy.
Is it legal for a life insurance company not to pay benefits to a common law wife?
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.
How do you know if your spouse has a life insurance policy on you?
You ask him or her! The reality is that she can not take out a life policy on you unless you have signed an application for said insurance at some point. If she took one out on you and forged your signature that would be insurance fraud. 4lifeguild In order for someone to take out life insurance on another person, the signature of that person is required. No one can take out a policy on a person unknowingly unless they commit the felony act of forgery. If you even suspect your spouse is involved with something like that, you should be looking into othe rliving arrangements.
