how do i find out if someone has taken out a life insurance policy on me without my knowledge?

Answer 1

Wow, that's creepy!

I know a lot of employers do this and make themselves the beneficiary if you kick off, but I think they tell you they do that...??

Answer 2

You probably cannot find out.

Anyone with a legitimate interest in your life may buy a policy without your knowledge. But there aren't a lot of people with an insurable interest. People you support, like your children, your spouse, your business partners and probably your employer have an insurable interest. That's about it.

Because of the potential for fraud and worse, insurance companies do not sell life insurance when insurable interest does not exist. An insurer would probably refuse to sell insurance on your life to someone not related to or otherwise involved with you. They don't want to pay a loss if they don't have to and they don't want to create a situation where someone would want to do away with someone else.

Answer 3

The only people who could take out a life insurance policy on you are your parents if you are under age or your spouse if you are married. At least it's that way in the state of Massachusetts. It may vary in other states but probably not by much. Call an insurance company in your state and ask to speak with an attorney in their legal department and ask this question.

Answer 4

No one can take out a life insurance policy on your life without your signature on the paperwork. The only way they would be able to do this is by illegal forgery. If you suspect that this is the case, you might try hiring a private investigator to find out what life insurance company the person is using. The alternative is to be sure that you let people around you know that you would never consent to such a thing so that in case anything we to happen they could come forward on your behalf. Hope this helps some!

Answer 5

If you are a minor, a parent could get a small policy on you or a Child Term Rider on their policy that would cover you. If you are 18 or older most companies would require a medical on you before issueing the policy. You could also check with the Medical Information Bureau to see if there has been any inquiries on your health status.

Answer 6

with out knowing if they did or the company, you cant. Even if you know the company, if you are not the owner of the policy, they wont give you any info about it. If you can tell them that there was fraud, then they can investigate. But, again, you would have to know the company. There are are far too many in the country for you to just call up and ask, "do you have a policy on me?"

Answer 7

It's crazy, but if the person has an "insurable interest", meaning they're related to you in some way, they can do it! Just get away from the person in question. Tell everyone about your suspicions and report any creepy activity to the police. They can't do anything about it but at least they'll have a record of it if the person does try to hurt you.

Answer 8

They haven't. Unless you're legally incompetant, ie, you have a guardian, the insured person has to 1. sign an acknowledgement form on the application 2. submit to blood & possibly urine tests and 3. release their medical records to the insurance company.

Answer 9

this is illegal, and no benefits will be paid. Unless you are authorizing the purchase of the policy on you it cannot be done. Any agent that does it will have their license revoked. Their has to be a relationship by blood or you have to be a key employee for a purchase of a policy only with your permission.

Answer 10

Stand on the edge of an express train platform for an hour