Can someone have life insurance on me without my consent?
My inlaws are crazy. No not like wacky like mean, vindictive, you wouldn’t believe it crazy. My husband purchased a sport car about 4 years ago, evidentially my inlaws started a life insurance / disability policy on him. The bill for some reason gets mailed to us, but they pay it. When asked about it they said they got it incase my husband killed himself in his car.
Can you take out a policy on an adult, over 18 years of age, without consent? What is this Disability income on the bill that is separate from the Level Term life???
They are not in poor financial shape, his father is a doctor and they have an oceanfront home. I have everything situated for our family’s burial arrangements.
Thoughts??
Dominion-
I am upset because they told me to abort our child. When I refused to they kicked us out of our home. It was in their name but we payed the mortgage.
His mom was a co-signer on the car. Well, my husband stopped talking to her because of the nonsense & how they were acting cause WE kept our baby. So she paid off the car, hired a private investigator, and had the car taken when it was our only car at the time.
So I am upset cause they are like I said CRAZY. They would not offer me any money if my husband dies. Cause I am the devil that got pregnant.
Esther
January 9th, 2009 at 9:05 PM
Marilyn
parents can do it only on the kids and in fact it can be like what you stated but not anyone can do this. we have it on all our boys and their kids. death insurance for them.
January 11th, 2009 at 11:15 AM
Dale
YES, IT IS POSSIBLE TO TAKE OUT INSURANCE ON ANYONE IN YOUR FAMILY WITHOUT CONSENT. WHY ARE YOU UPSET BY THIS, IT’S HIS PARENTS. IF THEY WANT TO HELP YOU IF SOMETHING SHOULD HAPPEN I’M SURE YOU WON’T TURN DOWN THE MONEY RIGHT.
January 13th, 2009 at 6:52 AM
Lois
The laws on this changed fairly recently. In the past, you could buy a life insurance policy on someone without their knowledge.
Now, if the owner of the policy is different from the insured, then you must have the insured’s permission.
Also, do you live in a community property state? In that case, you must also have the permission of the spouse if that person is not the beneficiary of the policy.
January 16th, 2009 at 12:31 PM
Judith
To take out a life insurance policy, you have to have an “insurable interest.” Meaning that your life and its quality would be impaired if the insured died. If they want to insure him, their name should be on the bill, not yours, make them correct it. Apparently, they are also taking out disabilty insurance at the same time.
January 18th, 2009 at 5:18 AM
Pedro
Yes someone can take out life insurance on you (or your husband) without your consent. However, if your husband dies the insurance company will question whether or not his parents have a legitamate claim. It is likely that the claim would be denied and the denial would hold in court.
They’re wasting their money and the insurance company is more than happy to let them.
January 20th, 2009 at 9:50 PM
Ernest
You have some answers with incorrect information.
A parent can take out life insurance on a minor child without consent. If the child is over age 18 the child has to sign the application.
If they forged his signature then you have a case. He can call the insurance company and tell them a policy was taken out without his consent.
You only have to have an insurable interest when the policy is issued. A parent always has an insurable interest in their child even when the child is an adult. Once the policy is issued the insurance company can’t deny the claim unless the death is due to ******* in the first two years of the policy.
Even when someone is murdered by the beneficiary the policy still pays it just does not pay the beneficiary.
It sounds like you need to sever all ties and purchase your own life policy on your husband. I always recommend that the wife owns the policy on the husband and vice versa. This way only the policy owner can change the beneficiary. If his parents really just want to help out they could make you the policy owner and they could be the payor.
Same goes for the DI he would have needed to sign the application and he would get the benefit. So this policy would be a great thing to keep.