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Additional Details... |
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Are they relate to each other?
Additional Details
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Moma Mia | How to get a Life Insurance policy? |
Is there a way to get a policy on somone with out them knowing?
My son's father is not involved and broke. He doesn't always live a careful life. I just wondered if there were a way to secure some college money for my child in the event he kicks the bucket? No, I am not planning to speed up the process. |
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Financial JUSTICE
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You can not get a life insurance on someone without them knowing. Why? For one, they must consent to it. There will be medical testing and questions involved to see if this person qualifies for life insurance or not. Second, there must be insurable interest between you and the person being insured. Is your son's father (not your husband???) going to have any financial and emotional impact on your life in case he dies?
I don't know what country you live in, but in United States, there are 3 ways in which you can save money for your kid's education. They are UGMA accounts, Coverdell, and the 529 plan.
Here are some little information about each plan
UGMA: Max contribution is $12,000 per year. Can be used for any purpose. Child controls the money and the assets after age 18 or 21. Child is liable for any taxes due. Impacts ability to get financial aid greatly.
Coverdell: Max contribution of $2000 per year. Grows tax free for education purpose. Your income must be below $110k if you are single, $220k if married. Parents control money, but assets belong to child. You have multiple choices of investments to pick from.
529 Plan: Max contribution is $60,000 in any 5 year period per person. Anyone can contribute. Grows tax-deferred if used for higher education. Parent's control money and the assets. Can transfer from one child to the next.
One thing you don't want to do is buy life insurance and thinking it is a great way to save for college or for whatever reasons. You only want life insurance to replace your income and keep it long enough until no one is dependent on your income and all your debt is paid off. |
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satheesh
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you can insure your life as well as that of a minor for whom you are the guardian.for all others you have to get them involved in the process. |
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aaron p
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If he has a legal judgment requiring he maintain life insurance for your son's benefit, then yes you can get life insurance on him without his knowledge. It is usually less expensive if he just gives permission to be insured and you control the policy. If it is anything short of a legal judgment, I'm sorry you cannot.
I just want people to know about the program. That's why I'm sharing the link below instead of insisting you go through me. |
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Chris C
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You cannot take out an insurance policy on someone without their signature (or at least them knowing you taking it out if they are illiterate).
Because this is your childs father and you are seperated, you can go through the court processes and force him to take out insurance should something happen and naming the child the beneficiary and he would be forced to pay the premiums on it. This is very common in divorce proceedings where there is a child involved. Be prepared though, if you proceed with this route, and they impose a court order that he needs insurance, they will likely order that you get it as well. Check with a lawyer to see where the state/provincial laws fall in your local area. It's a little different in each state and/or province.
If you are willing to pay the premiums on the insurance on the father, I don't see any reason why he would not sign the papers...he's not losing anything and it's not costing him anything by signing it. |
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src50
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No, you cannot. |
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natureschaos2
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I don't know of an insurance company that will sell an insurance police with out the insured's signature. |
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