my neighbor ask me this
2007-06-06 13:18:49 · 8 answers · asked by toothbrushx2 1 in Business & Finance ➔ Insurance
No, not possible.
First of all, he needs to sign consent on the application. THEN, the insurance company sends a guy out to draw blood and take a urine sample - in person. And sometimes do a saliva test.
He'd notice that.
Third, he'd have to release his medical records for the insurance company to review.
So it's not going to happen.
2007-06-06 13:41:03 · answer #1 · answered by Anonymous 7 · 0⤊ 1⤋
No. A life insurance application on an adult needs to be signed by both the policyowner (ex-wife) and the insured (ex-husband). The medical questions, phone history interview and any exam requirements are done by the insured (ex-husband).
An insurable interest can exist in this situation if there are minor children or alimony payments involved. Many couples stipulate an insurance requirement in their divorce decreee. But, the actual paperwork can't be done legally without the consent of both parties.
2007-06-07 00:01:24 · answer #2 · answered by brainyblonde38 2 · 0⤊ 0⤋
People here have given you a lot of correct information and some incorrect. As for insurable interest, if there are children involved, there could be insurable interest. The part about "without him knowing" is what would bother me. Some companies do not require physicals or even saliva test until you reach $250,000 or more, so she could take a smaller policy without him having to take a physical or even saliva test. Can she is the question, and the answer is she could forge his name and do it if she finds the right agent and the right insurance company. But be aware that fraud is a legal problem and one I would not want to take.
2007-06-07 01:36:28 · answer #3 · answered by deep5223 4 · 0⤊ 0⤋
No their has to be an insurable interest for example a mother can take out a policy on her children. A married husband can take it out on his wife. However, my sister can not take out a policy on me, no insurable interest. Otherwise people could insure anyone and then kill them for the insurance money, it is not legal to do so.
2007-06-06 13:56:27 · answer #4 · answered by sbahawk 2 · 2⤊ 1⤋
She would need to prove that she has an insurable interest, i.e., she would be financially harmed if he died. It's not going to happen unless they are doing business together, which they probably aren't.
2007-06-06 14:37:06 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Yes
2007-06-06 13:25:36 · answer #6 · answered by SweetBrunette 5 · 0⤊ 3⤋
Short answer: No.
2007-06-06 22:22:31 · answer #7 · answered by Anonymous · 0⤊ 0⤋
Without his consent, it is illegal.
2007-06-06 14:10:59 · answer #8 · answered by TedEx 7 · 0⤊ 0⤋