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 Posted: Thu Jul 01, 2010 4:27 pm Post subject: should i get life insurance on my fiance and her two childre |
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| My foreign spouse and i have applied for a finance visa and it is currently pending. Can i purchase life insurance on my finance and her two children ages 13 and 14. I am in the military and affraid that any think can happen to me at any time leaving my future family in financial dispair and hardship. Bascially, i just want to take care of my future family anyway possible until my marriage is made legal. |
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LeonardPage
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| Posted: Thu Jul 01, 2010 11:18 pm Post subject: |
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ok, wait sec here Leonard..You have a spouse AND a fiance'?
Do you have any life insurance at all at this time? Even thru the military? If so who is the named beneficary?
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Lori
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| Posted: Thu Jul 01, 2010 11:24 pm Post subject: |
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You are a citizen of what country? Fiance is a citizen of what country? Children are citizens of what country? All of this will matter.
The quick answer is, maybe. |
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BNTRS
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| Posted: Fri Jul 02, 2010 3:49 am Post subject: insurance |
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| I DO know if you serve in the US Military, it is mandatory to have Life Insurance. You can 'add' anyone that you choose on your (Military) Life Insurance. |
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sdchargersfan
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| Posted: Fri Jul 02, 2010 7:59 am Post subject: Life insurance for finance |
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| Sorry, i should have said foreign fiance. I do not have a spouse i am single. I am a citizen of USA, my fiance is a citizen of Italy and so are the children. Yes, life insurance for military includes your immediate family members or natural parents and the issue is that me and my fiance are not legally married yet so i can't claim them as my family members. |
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LeonardPage
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| Posted: Fri Jul 02, 2010 11:03 am Post subject: |
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You can purchase private life insurance
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Fri Jul 02, 2010 12:57 pm Post subject: insurance |
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| No, you can't claim them as family members, through the Military anyway (can't get 'Dependent' coverage, etc.). But..you CAN put them on the Military Life Insurance (assuming you serve in the US Armed Forces).However...(I say this to everyone..) whomever you 'add' on your Life Insurance (through Military or 'civilian') make sure it's someone you trust. |
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sdchargersfan
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| Posted: Fri Jul 02, 2010 2:16 pm Post subject: |
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I'm still not sure whether you are looking to purchase additional life insurance on your own life to protect them in case of death, or whether you want to purchase coverage on the lives of your fiance and her children. Can you clarify?
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dgoldenz
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| Posted: Fri Jul 02, 2010 3:20 pm Post subject: |
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| You can buy private insurance and name them as beneficiary, you can also potentially get them coverage through a U.S. insurer. Alternatively, there are insurance companies in Europe. |
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BNTRS
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| Posted: Fri Jul 02, 2010 3:21 pm Post subject: |
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If you are buying more life insurance on yourself, the underwriting would depend on what type of work you do in the military and any foreign travel you may have. If you are in and out of places like Iraq and Afghanistan, it may be much more difficult to get additional coverage. If you are living on base in the US and not traveling overseas, it likely wouldn't be a problem.
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dgoldenz
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| Posted: Fri Jul 02, 2010 3:24 pm Post subject: |
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| Oops, should have put in *if you are looking to get coverage on them (fiance and kids)* you can potentially get coverage through U.S. insurer...etc. |
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BNTRS
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| Posted: Sat Jul 03, 2010 9:41 am Post subject: insurance |
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| LORI..the OP is saying "they are not family members yet." Even with non-Military Life Insurance, do they HAVE to be family members for the OP to get Life Insurance for them? I didn't think so, but, I don't know. I thought you could cover anyone you want to. |
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sdchargersfan
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| Posted: Sat Jul 03, 2010 2:05 pm Post subject: |
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No, you can't cover anyone you want to - it comes down to whether the OP is determined to have insurable interest in the insured. (Otherwise, I might spend the next few minutes buying life policies on Lindsay Lohan, Amy Winehouse and Abe Vigoda.) There would have to be a marriage before insurable interest was definitely determined - a proposal of marriage is an undocumented promise, not a legally binding contract. Nevertheless, OP's agent could try submitting a cover letter with the application to a US insurer explaining the family situation (and sometimes that works). Depending on how conservative the insurer is in underwriting, they may be more or less willing to consider the the grey area that family relationships and dependency are often in these days.
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Twitch
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| Posted: Sat Jul 03, 2010 4:21 pm Post subject: insurance |
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| Oh..I see what your saying. Well..makes sense. I wouldn't want to Insure someone I don't care for, obviously. Or,..just some 'average Joe' off the street, I mean. Just being funny here..) TWITCH...Abe Vigoda was in MY day!!..LOL |
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sdchargersfan
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