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 I co-own a house with my husband. Does he need to write in a will that the house goes to me if he passes on? |
Isn't it implied in the house title/ownership/mortgage papers?
Additional Details
I really really appreciate the kindness of sharing me your time in answering this!... |
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reggielila | If I wanted to get life insurance on my father what do i do? |
Additional Details
he wants me too!!!
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Amanda P
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You can't - he has to get his own life insurance! This will pay out to his family should something happen to him.
He needs to ring round the different insurance companies and find out what they can offer him and for how much. I don't know what country you are in so can't recommend any. |
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judy f
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Why - what are you going to do to him (you'll get caught.)
They always go through the suspect's email. |
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churchonthewayseniors
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contact the insurance company you want and ask for a application for insurance, fill it out and send it in |
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Hadley
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If you wanted to buy a life insurance policy on your father's life, you would need to show an insurable interest.
Do you rely on your father for financial support of any kind?
What is Insurable Interest? Insurable Interest is the expectation of a monetary loss that can be covered by insurance.
What is an Insurable Interest as it relates to a Life Insurance Policy?
When you buy a life insurance policy there must be an insurable interest on the person being insured on the life insurance policy.
Types of Insurable Interest for a Life Insurance Policy:
Your Own Life - Every person has an unlimited insurable interest in his or her own life. The insured person can choose whoever they want to be the beneficiary (who the proceeds are paid to upon the insured’s death) of their life insurance policy.
Parent and Child, Husband and Wife, Brother and Sister - All have insurable interest in each other, because of blood relation or marriage.
Your creditors - All creditors may have an insurable interest in you if you owe them money. The creditor can be the beneficiary of your life insurance policy for the amount of any outstanding loan.
Business relationships - May create an insurable interest. An employer may insure the life of an employee, and an employee may insure the life of an employer.
Insurable interest must exist at the time the life insurance policy is purchased. However, for a life insurance policy, insurable interest is not required at the time of loss.
Example: - A man may insure the life of the woman he is engaged to. If they marry and then are divorced, he can continue paying the premiums. If his ex-wife dies after the divorce, he would receive the death benefit.
Review:
All of the following may have life insurance beneficiary insurable interest status:
Children of a parent, Parents of a child, Husband for a wife, Wife for a husband, Creditor for a debtor, Employer for an employee, and Employee for an employer.
In order to purchase a life insurance policy, the person buying the policy must have an insurable interest in the person insured on the life insurance policy.
If you want to compare quotes for life insurance you can get them at http://www.insureme.com/landing.aspx?Refby=613403&Type=life
I hope that helps. |
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deep5223
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It shouldn't be a problem. Just call up a local agent, meet him with your dad (because your dad will have to sign the application). You can be the owner and pay the premium and be the beneficiary. He just has to know that you are doing it. Depending on the amount, he may also have to have a paramed exam. Again the insurance agent should handle this. |
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Boges
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You have to show insuranable intrest. Talk to your life insurance company and they'll tell you what you need to do. There has to be a reason for you to take a policy out on him. are you a dependent or does he pay for things for you on a regular basis? Is he funding college for you or your kids? Why would you need to have a policy on him is what they're going to ask you. answer that then call the Insurance company... |
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mbrcatz
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Call the agent that writes his home & auto insurance, or your home & auto insurance, and ask for a couple quotes! They'll walk you through it. |
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