 WHY won't insurance companies sell health insurance to a woman who is already pregnant? |
| She may break a leg or get bronchitis, which would have nothing to do with being pregnant. Am I wrong, is there a company who would sell to her before the baby is born, as long as she understood that ... |
|
 I need help getting cheap insurance? |
| I need help, anybody has a cheap insurance company that offers just the state requirements, all I need is state mininum, please offer suggestions, thanks!!! If it helps you at all, I'm in S.F... |
|
 I was injured at a business - how can i receive compensation? |
| I broke my wrist at a local business (they had uneven concrete on a outdoor padio)- what can i do to get compensation?... |
|
 I tore my acl playing basketball. i need to miss 6-8 weeks of work. Am i still entiled to a paycheck? |
| Ive been on the job for 5 months and was promised health insurance after 2 which i never recieved. Now Im hurt and can work for 2 months. Do I still get paid? Is my employer responsible for my ... |
|
 What is the age limit for a son or daughter to be covered on health insurance? |
| Several years ago I recall the news reporting that children could be carried on their parents' health insurance through age 25 without proof that they were a student. My son is a student, but I ... |
|
 Why do doctors treat you badly if you don't have health insurance? |
| i went to a dermatologist and she didn't seem to care about the problem i had. she didn't even prescribe me medicine for it. she let the nurse do everything and i was charged a lot of ... |
|
 Someone destroyed a tree outside my home. I can't get their insurance company to respond or pay my claim. |
| This insurance company, American Freedom Insurance, out of Illinois, is not responding to my claim. Although they are not my insurance company, their insured client damaged my property. How do I ... |
|
 Workers Comp investigators how long do they follow you? |
| i am not a phony case. this has been a year and im tired of it .... |
|
 Insurance Claim.? |
| Last night my car was stolen, three guys ran up to me and demanded the keys, I threw the keys and run, they then took the car and went on to do several robberies. The car is a company car and I was ... |
|
 Claim sent to underwriters why ? |
i have just had a stoke and now been told my claim is going to the underwriters why would this be? i have sent all proof of medical information and doctors notes what would be the problem now?
A... |
|
 If insurance rejected claims from a hospital and the hospital sent bill to me, what should I do? |
| my son had a operation in a hostpital in the insurance network. But some of the hospital claims were rejected by the insurance saying the providers are not in the network. The hospital is in the ... |
|
 Do I really need insurance? What are the problems I have to face if I don't have insurance? |
I'm 17 years old and about to get kicked out of my parents house and family. I'm interested in going to college, but I will have to work my butt off for it.
I know that I have ... |
|
 I had my mp3 player & cash stolen abroad; with no travel insurance, is there a way I can claim for the goods? |
| I have reported the offence to the Police and have a case number. Unfortunately, my travel insurance expired last October. I have tried contacting my credit card provider to see if it will cover me ... |
|
 If someone dies...........? |
if someone dies and still owes some money on a car what will the car company do will they come and get the car or will they write it off i am lost at to what to do any suggestions will help
A... |
|
 Health Insurance question? Everything I have had done I'm getting fully billed for? |
| I started my job in August 2006. Starting in June 2007 I made my first doctors visit and had blood work. I recieved a reciept thing showing what was paid for, which was everything but my co-pay. W... |
|
|  |
Junebug | Is a persons spouse entitled to a life insurance policy no matter who is named as the beneficiary? |
my husband has a life insurance policy but his mother is the beneficiary.........am i entitled to any of that? |
 |
 
Suzanne: YPA
|
I've read through the answers given so far and would like to emphasize that the only true answer to your question lies in whether or not you and he resided in a "community property" state.
If you did AND your spouse is/was the owner AND premium payer, you are entitled to a percentage of the cash value (if he's still alive) or the death benefit (if he's deceased), regardless of the beneficiary designation.
If you reside in a community property state and his mother paid all of the premiums, but your spouse is listed as the policy owner, a court MAY determine the premiums constituted a "gift." It would be up to the court to determine whether you are entitled to any portion of the policy's cash value or death benefit.
If you reside in a community property state, but all premiums were paid by his mother AND she is the policy owner, you aren't entitled to anything. Or if the policy was "paid up" prior to your marriage, and therefore community funds weren't used to pay premiums, you aren't entitled to any of the proceeds.
If any of these scenarios (except for those in the preceeding paragraph) apply to you, you should speak with an attorney about this. If your spouse has passed away and the death benefit hasn't yet been paid, your attorney must notify the insurer that the beneficiary is being contested. Unless the parties can come to a settlement, the insurer will file a motion asking a court to determine the true beneficiary. This is called a "Motion for Interpleader." If the claim was already paid, your attorney will file a motion with the court asking that the funds be frozen until the matter is adjudicated.
If you don't reside in a community property state, you aren't entitled to any of the proceeds.
I hope this helps. |
|
cork
 |
no not one cent...
pay your own policy prems like she has done......... |
|
Derek
|
Nope. He would have to amend his policy and add you. |
|
jonesy634
 |
No, you won't get any of that money.
However, the beneficiaries on a policy can be changed (if the beneficiary is not irrevocable) by the OWNER of the policy. If your husband is the owner of the policy, he can change the beneficiary to add you as one of the beneficiaries (or completely replace his mother... or he could make his mother contingent, or he could make you contingent... there's a few different ways he could do it).
But if his mother is the owner of the policy, he can't make any changes.
As it is right now, you will not be entitled to any of his life insurance money. |
|
FireMomma
 |
Depending on the state....but probably NOT |
|
Phat Kidd
 |
no one is entitled but the beneficiary. wow, you sound like a real piece of work. |
|
Yo' Mama
|
No. You aren't named as a beneficiary so you don't get a dime of it. His mother does. The question to ask your husband is why his mother is on his life insurance policy and you aren't. Is she financially or materially dependent on him such that his premature death would result in financial hardship for her? What about purchasing another life insurance policy with you named as beneficiary? After all, if he dies, it's you who has to pay for his funeral and pay off any of his debts. His mother won't owe anybody anything. If I were you, I'd insist that he purchase a policy naming you. I'd also recommend that you purchase a policy on your life naming him as the beneficiary for the same reasons. |
|
Jen
|
they told me when i signed up, that I'm in a community property state, and that my spouse gets half until divorce or death, unless you get them to sign a written waver. it does not matter if someone else is named beneficiary. check to see if your in a community property state. if so, call up the life insurance company and tell them he's married. if he's had that policy from before you were married, or he never bothered to mention it to them, then he is not going to be happy when they find out. |
|
redliciousbabe
|
By law, the policy owner is the only one who can name a beneficiary. If your husband is the policyowner he would be the only one who can change it. Ithas to be requested in writing. As his wife you are not entitled to any of the proceeds unless you are named as a beneficiary. However, as a spouse, you have insurable interest and you are entitled to purchase a policy on him and name yourself as the beneficiary. Then you would be entitled to recieve the predefined benefit amount upon his demise. There may be a waiting period for some pre-existing conditions. In some instances, the policy may have clauses or riders that would cause it to not pay out. Check with the agent if any of that concerns you. If you'd like more information email me at agliddenua@comcast.net |
|
mbrcatz
|
Nope, not a drop. Only the beneficiary gets ANY of it. It's not contestable in court, either. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
10 | 30 minutes(s) ago
| | | |
10 | 36 minutes(s) ago
| | | |
10 | 2 hour(s) ago
| | | |
10 | 5 hour(s) ago
| | | |
10 | 7 hour(s) ago
| | | |
9 | 2 day(s) ago
| | | |
9 | 3 day(s) ago
| | | |
8 | 2 week(s) ago
| | | |
8 | 3 week(s) ago
| | | |
8 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
