i just asked a question about life insurance and being separated.Maybe I wasn't clear ok here is the deal this by no means any scams or inappropriate motives!!!! My mother who doesn't have much of an education at all was married to this creep of a pedifile,my stepfather.He tried to molest me when I was younger okay? just to give you an ideal of this person and my concerns for my mom.She was diagnosed with a brain tumor and will have to have this removed in which is a very difficult surgery and may not survive it! My concern is my brother told her that my stepfather has already life insurance on her and is planning to add additional insurance so he can cash in on her.I hate this person!! my question is if she can get divorced from him,is he still legally able to collect?
2007-07-23 08:51:47 · 13 answers · asked by Anonymous in Family & Relationships ➔ Marriage & Divorce
If the policy is in force, the divorce is not the issue. The payments are, if it is up to date, yes he will collect.
2007-07-23 08:59:26 · answer #1 · answered by bootsontheroad 6 · 0⤊ 0⤋
Yes and no. You have to have what is called insurable interest at the time the policy is written. In other words you have to show that you would suffer a loss of income if that person were to die. Now on the existing policy, it was probably written while they were married, so he would have had insurable interest. Even if they get a divorce at this point the policy is already in place so theres not much she can do about it. As far as a new policy though, married or not, for anyone to insure anyone else's life, the are required to sign and acknowledge that insurance is being taken out on their life. Ex-he would be the owner of the policy, but she would be the insured. She would have to sign papers, and probably agree to answer health questions and things before the new policy could be even issued.
If your moms health issues are as serious as you say, she probably wouldn't even be eligible for life insurance no matter who the owner of the policy is.
Good luck with your mom, I will pray for her.
2007-07-23 08:59:34 · answer #2 · answered by Anonymous · 1⤊ 0⤋
She can take him off the policy as beneficiary of she can get the divorce and make sure that it states in the divorce paperwork that he is not to receive benefits from any insurance policies once so ever after divorce is final.
2007-07-23 09:00:36 · answer #3 · answered by misbotta 4 · 0⤊ 0⤋
Yes. Unless she owns the policy and changes the beneficiary. If you step father already has a policy on her, he can collect regardless of marital status.
The key to the question is who is the beneficiary. Not who is married or divorced.
2007-07-23 08:57:59 · answer #4 · answered by Willie J 5 · 0⤊ 0⤋
HE can't have life insurance on her, this is something she has to draw up with an agent, agree to and sign for herself. She has to change the beneficiary if they get divorced. Who she is married to doesn't make a difference it's who she's designated specifically as the BENEFICIARY on the policy.
She can't get more life insurance now that she has a life threatening illness, atleast not for cheap.
2007-07-23 08:56:00 · answer #5 · answered by Anonymous · 0⤊ 1⤋
He can't get a policy on your mother w/out her consent. But once there is a policy in place whom evers name is on the policy as benefactor stays the same, until its changed regardless of marital status. And the only way to get your spouse off is to show divorce decree.
2007-07-23 08:59:13 · answer #6 · answered by gypsy g 7 · 0⤊ 0⤋
I'm not sure. I would ask an attorney that question. I don't see how he could up her life insurance now with her having the brain tumor. I would think that would be pre existing.
2007-07-23 08:56:24 · answer #7 · answered by Anonymous · 0⤊ 0⤋
HE can only collect if he is the beneficiary. You should talk to your mom and the insurance company and give them the heads up on his intentions. also look into the stipulations of the policy it mught not even pay out if your mom did not purchase it herself and if the ins is unaware of her condition.....
P.S. IM A INS AGENT
2007-07-23 09:07:51 · answer #8 · answered by Anonymous · 0⤊ 0⤋
approximately seventy 5% of ways people talk is physique language, no longer verbal. i might look for physique language that indicated being ashamed, inclusive of hunched shoulders and a loss of eye touch. in spite of the shown fact that, you many times choose to undergo in innovations that no longer all people will fall into this trend. many people react in strategies that are no longer seen "conventional." Incongruencies in what a man or woman is announcing and how they are performing is the main suitable indicator of soreness (that must be shame thus). in case you think of the guy's physique language shows sense sorry approximately then attempt confronting him/ her and ask if that's what he/ she is feeling and notice the place it is going from there.
2016-10-09 07:22:01 · answer #9 · answered by ? 4 · 0⤊ 0⤋
I doubt a slime like him would have a life insurance policy on her, if they are divorced it's unlikely he'd keep up the payments. I'm very sorry for your mums illness hun and please don't let that scum stress you out. Your family needs you!
2007-07-23 08:57:54 · answer #10 · answered by onebusy_b 2 · 0⤊ 0⤋