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Brunette | Life insurance/living will question...? |
My husband has a accidental death benefit insurance mainly for our mortgage, in case he becomes incapacitated or dies, I am the beneficiary (we have no kids). I am 32 and he is 33 years old, we have been married for 7 1/2 years. I would like to know if we could make a living will together, in case he and I should die, so that the money that I would get for his death would go to my parents as beneficiaries ( he and I agree both agreed on that). We don't own a lot of things, only this house and one car, which are not paid off (we are making payments on both), and some money on savings. Is it possible to make this living will and put my parents on it, although we don't have our car and house paid off, but the life insurance would cover it should we die? If so, how can that be done? Oh, my parents live in another country. Thanks a lot!
Additional Details
OK, the policy is for either incapacitation -- if my husband loses a leg or an arm, a hand, or becomes paralyzed -- or his death. |
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mbrcatz
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OK, that accidental death policy, you KNOW it only covers if he dies in an accident, right? Natural causes, like a heart attack, cancer, or stroke, are NOT covered. You know that, right?
And dismemberment is NOT the same thing as disability. In other words, if he hurts his back and is disabled and can't work any more, but doesn't become paralized or have a leg chopped off, that policy doesn't pay. I guess I'm trying to tell you, it's not likely you'll EVER collect on that AD&D policy - they're a ripoff.
You do not make a living will together. The living will, each person does, so in case they, for example, have to go on life support, it tells the doctors when to pull the plug. It's individual. Not joint.
You CAN make a "will", if you die, and in most states, you can make a JOINT will, but what's the point? In some states, a JOINT will is irrevocable - meaning, you can't EVER change it. Meaning, if he dies first, and you remarry, and then you die, your first husband's parents still get everything - not your kids from your second marriage. NOT a good idea.
You need a regular will, to distribute your stuff if either or both of you die. AND, you need a living will, for medical directives if you are incapacitated.
And you probably need REAL life insurance, in case he dies by natural causes - which is MUCH more likely than an "accidental death".
You need to see a local lawyer to have the wills and living wills written up. And you probably need to shoot whoever sold you that AD&D policy (not really) and look into buying REAL life insurance, and real disability coverage. |
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craigerdean
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First, if you have an accidental death policy it will only pay if the death is an accident. Becoming incapacitated is not an accident in itself.
Second, you don't need a living will for what you are trying to accomplish, If you want your parents to have the money should the insurance pay, name them as secondary beneficiaries, then the house and cars will be auctioned by the lien holders and your parents will get more of the proceeds. Or if it goes to your estate (a will) it will pay off all debts then your parents would get whats left over. |
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Insurance Pickle.com
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Yes, you should reconsider the accidental death policy. Do you only want to pay off the mortgage if he dies in a car crash, but not if he has a heart attack, stroke, or cancer? Those are the more likely ways death would occur.
Your plan has faults from the start. Address that as well. |
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car253
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Get some level term life insurance with level payments for 20 or 30 years. It will cover any type of death, not just accidental.
A living Trust may be more suited for your needs. You can buy a cheap disk at Staples or any other computer store and fill it out yourself. You especially need it to let the court know who you want as guardian for the kids in case something happens to you or your husband. And, to list your assets and who would get them. |
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