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starryeyed75 | Could someone take out a life insurance policy on me without my knowledge? |
Could a husband take out a policy on a wife w/o her knowledge? And is there any way you can find out if a policy has been taken out?
Additional Details
Dont ya think a husband would have access to a wife's SSN and med records. This is a serious question. |
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Margarita D
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The only way your husband can take out a policy on you without your knowledge is to have a female pose as you to sign the application. In addition depending on the limit purchased he would also have to have the female pose as you (with fraudulent id) to pass a para-med exam (i.e. an examiner comes in to ask follow up questions, check your weight, get urine, sometimes blood work and or other types tests depending on underwriting requirements with regards to applicants, age, health, etc.). Basically the bigger the policy the more complex the exam. A small $50,000 policy for someone under 30 might not require an exam only a follow up phone questionnaire which someone could easily fake if they were up to no good.
If you want to double check if an application has been taken out you can contact the Medical Information Bureau (MIB). For a fee of $75 they will be able to provide information on any life insurance application done on your life within the past 11 years. You can check this out on their website which is http://www.mib.com/ If you do find an application on file, you will then have to check directly with the company to see if the policy was issued and who the owner of the policy is, verify the signature, etc. You will then have to let them know that you did not authorize it and further get in touch with the insurance department in your state and probably the state prosecutors office to tip them off about this fraud. I sincerely hope that that will not be the case.
Good Luck |
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Justa Angel
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Yes, it is possible with some insurance companies. You often do not need a SSN or medical records. although if you did have access to those it would be easier to get a larger policy. Usually not alot of personal info is required to get a $10,000 or $25,000 policy. I have a couple out on my ex. Not planning on killing him just wouldn't mind profiting if someone else does. ;) |
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towanda
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In the past and employer I know took out a life insurance policy on an employee without his knowledge. And sure enough the employee died and the employer was paid. We were all appalled but apparently it was legal.
A husband would have all the info necessary to take out the life insurance also. That sounds pretty scary. Unless you can poke around in his papers, I have no idea. Anyone you question, that handles your husbands affairs will tell your husband about your questions. I don't know if you can go to the parent company or different office to obtain that info but I could certainly try. I would really want to know why it is being done. Perhaps you need to pack and get out. Even the suspicion that is going on would make me want to run to safety. Lots of luck.. . . |
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B .
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It varies by state. Here in Oregon you CAN put a policy on your spouse without them knowing as you are allowed to sign for them. It would, however, depend on the size of the policy and what health you are in as a paramed may be needed to insure a higher risk person. But yes, it is possible.
You can find out if it is legal to do in your state by contacting the states insurance division. |
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Joe
 |
Yes it is possible, but difficult. Someone who stole your id can do just about anything. If they had your information, pretended to be you and had a valid fake id with your information then sure they can get a policy.
Now how often does that happen? Probably never. As an agent we have to take your id and write in your driver's license number for a check of your driving record.
As hard as it is to do it I would not be too concerned about this. I would be more concerned with your assets, a trust not a will and make sure your ex's name is off all of your material holdings. It doesn't hurt to do a credit check to also make sure there is not an old bill with joint names that will drag your credit down.
Good Luck |
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wolf1230pack
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no, he can't. You would have to sign as the policy owner, he could pay for it but could not start it. I guess he could have someone pretend to be you, most agents would catch onto that in a heartbeat though. Now my brother bought my daughters a 20 pay life policy as a gift, but I had to sign off on it and I chose the beneficiary. Hope this helps. |
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Lola
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I think it is possible because all the time I watch Forensic Files, a lot of spouses will take them out on eachother and the other doesn't know.
I personally have one but my hubby doesn't know about it. Not because I think something weird will happen but because I am paranoi dand watch too much CSI. LOL.
I fyou are suspicious, investigate this. It is a very big deal if someone did that without your knowledge. And I'd def be watching my back! |
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aaron p
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Peterson International underwrites for Lloyd's of London, and yes it is possible. The underwriters would be suspicious of a couple who are currently married using this product. In divorce, it's actually common. And no, you would not be able to find out - that's the whole point. |
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Chris
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No. First of all you (as the insured) need to sign the application form. This will make a third-party insurance policy.
Yes, if you buy for your child, there's no need for the child to know and sign. (since most of insurance company can insure your child from day 1)
The Insurance Company (as the insurer), the husband (so called policy owner) and the wife (the insured). So both the owner and the insured should have insurable interest. In which there are rules on relationship of insurable interest such as parent-child, husband-wife, owner-tenant, debtor-lender. when no insurable interest is valid, no policy can be taken. Relationship such as friends or fiancees is not considered as insurable interest.
If I can take out insurance policy on somebody else, I can just pick up a feeble old man down the street, put him in $1mil policy and send a hitman to make it looks like an accident. |
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Millionster
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and then murder you to get the money?
That wouldn't be very nice.
But no i dont think thats possible unless you have a common name =)
Usually they have to have your SSN and some medical docs too, and its likely to be on your credit report too ...
So probably not likely |
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mbrcatz
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Only in the movies.
You're asking if there's a central database where you can look it up. No, there isn't.
BUT, for a $75 fee, you can check here: http://www.mib.com/html/lost-life-insurance.html and they will tell you if any APPLICATIONS have been sent in for one person, in the past 10 years. It does NOT mean a policy is in effect, it means an application was sent in. So if you don't trust your husband $75 worth, do it. |
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