 Can insurance companies refuse coverage if they dispute who was the main driver on the policy ? |
| my wife was involved in an accident with a police car- it was their fault- 60 mph on the wrong side of the road- they made a claim for personal injury- our insurance company accepted liabilty then ... |
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 What do they test for when getting Life Insurance? |
| I wanted to get a life insurance policy for my family and myself. They want to take blood and a urine sample. What are they looking for? Drugs, nicotine, disease???? What's the deal?... |
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 WoULD WARANTEE CoVER ACCIDENTAL DAMAGE? |
| My daughter just bought her very first laptop. She is in Naval school, just graduated basic training. She was so proud of herself, able to buy it on her own, with her own money! She had an accident ... |
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 Can a travel insurance company get your medical records (history)from your doctor without your consent? |
| I had to cancel a holiday, and a insurance claim form was sent to me which in turn had to be given to my doctor to verify the diagnosis for not travelling so that i could claim back through the ... |
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 Individual health insurance? |
| These are my health issues I'm currently treated for and/or have perscribed meds. Moderately elevated blood pressure, osteo arthritis,fibromyalsia,and I take meds. for cholesterol and depression.... |
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 Insurance claim need advice? |
| On the 11th March I was travelling and the airline lost my baggage. I was insured. The airline has asked me to send all details and the items lost plus their value. My question is do I claim my ... |
|
 Can an insurance company dictate how many hours you work a week? |
| My insurance company states that if I drop the insurance, I can work no more than 25 hours a week, can they do this?... |
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 Insurance for house which has been underpinned? |
| I am in the process of buying a property but according to the survey I got it will need underpinning on one corner. I have phoned lots of insurance companies up even specialist ones but if I do buy ... |
|
 State farm just sent me a check for $63.50. Whats this about? |
They say its a dividend check for a policy. Why did they send me this money. Is this a scam or should I just put it into savings somewhere...maybe an I bond or something?
I just cannot ... |
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 Can you carry a life insurance on someone with out their consent? |
A lady was telling me her father had life insurance on her and she felt uncomfortable about it.
I told her, "he has to have your permission to have life insurance on you"
Then I ... |
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 Policy loan from life insurance interest pay to insurance company! why? |
| Any one can tell me, loan money from life insurance policy cash value intrest collect from the lisurance company, the cash value is my own money, should I paid intrest back to myself? not to ... |
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 My health insurance..... told me i wasnt sick enough?? |
| so here's my story..... i needed to go to the emergency room the other night. it was about 12am. and you know where else are you going to go when you need medical attention right away. and know ... |
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south2win2000 | Do you have to be married to be the beneficiary on a life insurance policy? |
Does the person listed as beneficiary on a life insurance policy have to be related by blood or marriage? |
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Michael M
 |
Spouse is usually automatic, but anybody can be the beneficiary on a life insurance product. Once you get outside of the spouse relationship you will have to prove to the insurance company that the beneficiary has an "insurable interest" in the insured. In other words they want to make sure that the beneficiary will be negatively affected financially if the insured dies so that there is a legitimate reason for the insurance versus just a big fat windfall. |
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deep5223
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No. The insured has the right to name anyone as beneficiary. Some companies, however, require the beneficiary be someone with an insurable interest (someone who would suffer finacially at the insureds death). In GA, the insured can change the beneficiary once the policy is issued to anyone they wish. |
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thomas p
 |
There are rules as "Ice" stated. It is important to know that you cannot take out a policy on the life of someone in whom you do not have an "insurable interest." Extreme example: if you have a neighbor to whom you have no relationship either by personal interdependence or a business partnership then you cannot decide to buy a policy on the life of the neighbor. That is looked upon as a "bet" on the neighbor's life expectancy and is against the public policy of all states with which I am familiar. |
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simm101
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No but it helps. |
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mbrcatz
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No.
Although initially, when the policy is taken out, the insurance company might want to know what the "insurable interest" is, of the beneficiary, once the policy is in effect, the beneficiary can be changed at any time. I've never seen an insurance company question a change of beneficiary.
You can list anyone you want. Your babysitter, the local librarian, your pastor at church, your favorite yahoo answerer . . . |
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Chellebelle
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No, you do not need to be married to be the beneficiary on a life insurance policy. So if your boyfriend/girlfriend wanted to put you down as the beneficiary, that is acceptable.
Only caveat to that is if they are married already - then no, you will not receive the insurance prior to the spouse receiving it. Unless they also have a pre-nup and will that excludes the spouse, or the spouse has waived their rights to that policy. |
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Fire-n-Ice
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There are no rules. You can name any beneficiary you like. |
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ladiesman217
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No, it can be anyone. |
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