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ɨɴǝʁʈɨɐ | Fiance's mom pushing life insurance? |
My fiance was recently diagnosed with Hyperemeis ( http://hyperemesis.org ), a disease which affects 1% of pregnant women. Due to this she's been in the hospital 3 times in the last month.
Not once has her own mother visited her in the hospital or come to visit her at home while she's ill.
After her last stay in the hospital just before the weekend, her mom started hassling her about life insurance. She actually told us that she forged her daughter's signature and said something I couldn't quite hear about making her in charge of the pregnancy. Since then she calls every day and leaves a message reminding her to call the life insurance agent to approve the plan she set up.
I asked my fiance why her mom is so intent on this and she gets mad at me for asking. I know that she doesn't quite understand what lifwe insurance is and that being so sick all the time she doesn't want to have to deal with anything stressful.
Am I making too much of this? |
 |
 
Insurance Made Easy.biz
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Don't worry about the life insurance, she would most likely be declined due to her current condition. If she calls the agent and discloses her condition it should put an end to the life application.
You may want to have your fiance complete a living will giving you power to make decisions for her if she is unable to do so. It sounds like her mom may have forged one. Be sure to have it witnessed and notarized if possible.
http://en.wikipedia.org/wiki/Living_will |
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medbillsassist
 |
Getting life insurance while suffering a medical condition is not a good idea. Insurance companies check medical records and many other things before they offer coverage. Lying on the application makes the policy void.
Forging someone's signature on life insurance papers is simply stupid. Any insurance agent will tell you that forged signature will make the life insurance void.
Talk to the mother and tell her to stop hassling her daughter. She should be there to comfort her. |
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Leek
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Sounds like her mom wants the money. |
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Tori
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YOU are the husband...
YOU have the right to call the insurance agency (the # IS on your answering machine, right?) and ask a couple simple questions...
1) who signed the application (if your wife did not sign & it's a forgery...then it's not legal... the agent should know this!!! A phone call from your wife should NOT BE ADEQUATE!)
2) who's the owner of the policy (can make changes on the policy)
3) who's the beneficiary of the policy (gets the $)
You might also mention her condition to the insurance agent - if it's a SMALL policy and no checkup was required - your mother-in-law may have lied about her condition
I also had this condition during my 1st pregnancy... but bedrest and intravenus feedings helped us pull thru (daughter's healthy & 18yo now)
I checked and am not sure if it will cause your wife to be UNinsurable...
Your mother-in-law is TRYING to do a good thing - but she's definitely going about it the wrong way! |
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src50
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Her mother cannot buy life insurance on your fiance without her consent - and it probably could not be obtained now (during the pregnancy) anyway. |
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Matt G
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With that condition she won't get approved for life insurance anyway. But from the sounds of things, the mom probably lied on the life insurance application, which would void the contract if something happened within the first two years. If you want to stop the harrasment, call the agent yourself and let them know what's going on with your wife's health.
Hope everything goes ok for you guys and you have a heathly baby and mother! |
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Chrissy
 |
Life insurance isn't such a bad thing. It's there so that if anything happens to one of you there is enough money to help the other one get by. And if you get whole life insurance then it is really more like a savings account. It builds cash value that you can borrow against, and it will some day be paid out. Also it's tax free to the beneficiary, and can be used to suppliment income when you are older. Since she is pregnant and you are having children I would actually very much recommend that you get life insurance. Imagine what would happen if something where to happen and your fiance and child where left without you. what would there life be like with your income taken away?
As for the mother, it definatly sounds VERY strange that she would never visit when her daugher is in the hospital. and to forge a signature is illegal. I would NOT put her mother in charge of anything just because what she's done so far is make herself look untrust worthy.
I would call the agent and discuss what is going on, but I would get all the information before signing ANYTHING! see who owns the policy, who pays for it, how the beneficiaries are set up. If the mother set herself as the owner that would make me suspicious. Let's say she's the owner and you and the child are the beneficiaries. If something happens to during childbirth and only the baby makes it, the owner has 30 days to change who the beneficiaries are. Which means that if your mother in law owns it, she can make it look all nice that you and the child are beneficiaries, and then last minute change it on you.
But like i said, Life insurance(if set up correctly) is actually a great thing to have(even on your children! *builds cash value they take out later for things like a house, wedding, retirement, school, or anything else you can think of*) I wouldn't shun the insurance, but I would be leary of the mother. |
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Smartie_pants
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I think the fiance needs a restraining order against the mother, clearly she is trying to take advantage of her in her sick situation. A mother should never go to the hospital where her sick child is and claim that she needs to get life insurance, its like saying well I think you might die, and boy would I like to collect on it. Shame on her for just now going to see her daughter and exploit her for a potential payday. |
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Michael M
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I wouldn't worry about the life insurance. Most large policies require a health exam including blood work and a health history.
Even if the mom signed her up for some kind of simplified issue or guaranteed product that didn't have any underwriting and lied about her health condition she won't get the money anyway. The insurance companies spend millions of dollars every year investigating fraudulent claims and putting people in prison. Her mother will get what's coming to her.
You just worry about her health and helping her relax and get through this and leave the mom to the insurance company.
I hope mom and baby get through this. |
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