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Peace | I just want to know? |
I just want to know if I can able to get a copy of the insurance policy of my husband and me as the beneficiary from where my husband is working. My husband is a fireman and two years ago we went to the Department of Fire at the City Hall and he put me as the beneficiary to his insurance policy. My husband is still alive. I just want to get a copy of the insurance policy and me as the beneficiary. I'm just doubting because we argue once and he might remove my name as the beneficiary and he put his adult kids from his ex-wife.
I just want to secure myself in the future and want to know if he doesn't remove my name. Can I get a copy from the City Hall Department of Fireman Insurance Office/Finance eventhough I'm the legal wife. I just want to know if I'm still the beneficiary and never remove my name. |
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Gem
 |
I'm sure he could get a copy, but I will bet that you already have an Employee manual and the info on the company would be located in there.
BUT, unless he can present divorce papers he would not be able to legally remove your name as beneficiary without your notification. Once you are married, and you set your spouse up as the beneficiary on a policy, the insurance company would have to get your permission, in writing, to change it.
Is your husband really that petty? |
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mbrcatz
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Probably not - only the POLICY HOLDER can have a copy of the policy. Sounds like the employer is the policy holder - the policy is NOT your husband's (referring to "his insurance policy").
In any case, having a copy of the policy today, will NOT show you who the beneficiary is. The beneficiary is usually on a seperate piece of paper, and if he shows you a piece of paper today, that says it's YOU, there's NOTHING STOPPING him from changing it to his kids tomorrow.
If you want to be sure you get some money when he kicks off, you need to buy the policy on his life, so that YOU are the policy owner, and he'll need to sign off on it. Then you need to make sure that the beneficiary clause is IRREVOKABLE, that means, not changable. |
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SafetyDancer
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Good advice from the others. To summarize the correct points:
1) There are three legal parties to a life insurance contract - the owner, the insured, and the beneficiary. The owner has the rights to the policy and can name or change the name of a beneficiary whenever s/he wants UNLESS the beneficiary is an "irrevocable" beneficiary. That means if the owner wants to change an irrevocable beneficiary, the beneficiary also has to sign off on it.
2) If you are sincerely worried about the issue in your question, take out a separate policy on your husband, being both the owner and the beneficiary. Pay the premiums. However, be prepared to answer some questions from the company during underwriting as some carriers are suspicious of an owner-beneficiary title on a contract. (What's to keep you from bumping the old man off after the end of the two year contestibility period?)
3) Your husband's coverage is probably a group life plan. There is not likely to be a "policy" for you to inspect, but rather a "certificate of insurance". It's not likely to contain the name of the beneficiary, but it might. A change of beneficiary will be recorded at the home office of the company underwriting the group plan. However, only the policyowner can get at the information OR give permission for someone else to get it. |
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U can't b serious
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You can get pieces of paper all day long but he can change the beneficiary at any time for any reason. Stop relying on this flake for your financial future. |
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barksabit
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I am not positive of this but I don't think that you will be able to get a copy with out his permission. If he is the holder of the policy then he has the right to choose whomever he wants as his beneficiaries. You have no say so in this. If you are concearned then take out your own policy on him but be careful if he dies suspiciosly you will be the first person at whom they look. |
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rahnside
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if you know his information and he is very healthy there is a company that I know that would write the policy without a medical if you want more information send me an IM you might even be able to get it without a big fuss because he would just have to click I agree on a web link and if you are paying for it you would do the same |
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