can I get spouse insurance without his concent

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PostPosted: Wed May 06, 2009 10:49 am   Post subject:   

True Lori.. I agree... But i still don't see a point as to why a person with health problems deny taking insurance.. What is the exact purpose of taking the policy without a person's consent?



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PostPosted: Wed May 06, 2009 10:58 am   Post subject:   

Quote:
What is the exact purpose of taking the policy without a person's consent?


I can't answer that, except to way that maybe the husband is a little touchy about death, and thinks his wife might have monetary motives...although I don't think so at all..i think she just wants to try and protect herself, especially against the cost of final expenses...there are just some people that refuse to face it...and maybe she doesn't want to upset him by talking about it..


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PostPosted: Wed May 06, 2009 11:07 am   Post subject:   

hmmm yea..Hope that is the case.... n if it is truly so Wink



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PostPosted: Sat May 09, 2009 3:05 am   Post subject:   

I don't have a lot of personal experience with "burial" or "final expense" insurance, but we have a lot of people coming to us for their licensure that do this. They are appointed by the guaranteed issue carriers and solicit exactly that coverage. Lots of them are employed by the big funeral homes/cemeteries scattered throughout the country.



Lori was right, I think, on a couple of points. When taking to people who sell these policies, I've heard the "he won't get his own life insurance so I have to do it without him!" kind of thinking. And I understand...my father was the same way, and my mother almost killed him because he wouldn't get insured. Then she remembered he didn't have any life insurance!! Very HappyShocked



Secondly, the limits on these contracts are $10k or less, and the premiums are ghastly. Remember the commercial that said "And the coverage is available for as little as $7.95 per month!!!" Shocked



Next time ya see this- read the fine print that flies across the bottom of the screen at about 1200 mph and in a 4-point font, and you'll see that the $7.95 is the "unit" rate. A "Unit" of life insurance in this case is $1,000 or less. So, a $10k policy would cost you around $80 a month at the best price ShockedShocked That's almost $1,000 a year in premiums for a policy that will pay $10k in the event of death, and remember- that's the BEST rate.



Have fun!



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PostPosted: Sat Dec 22, 2012 7:29 pm   Post subject: insurance without my consent  

How can you research and no this.. I need to know.. If my spouze did without my knowledge... Can I go to a website to find this out.


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PostPosted: Sun Dec 23, 2012 5:52 am   Post subject:   

No. You have to know which life insurance company is involved and send them a letter demanding to see your signature on the policy application under the belief that it has been forged and that the life insurance has been improperly obtained.



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PostPosted: Sun Aug 17, 2014 3:35 am   Post subject: Life insurance on a irresponsible parent  

Should a adult child have the right to obtain life insurance on a parent without their consent?


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PostPosted: Mon Aug 18, 2014 12:17 pm   Post subject:   

Quote:
without their consent
NO. This is prohibited by law in all 50 states. There is an exception for parents who wish to obtain life insurance for their minor children.

As an adult, how would you feel about your parent, spouse, child, employer, or next door neighbor obtaining life insurance on YOUR LIFE without YOUR CONSENT?


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