by PattiMoorewhite » Sat Mar 28, 2009 09:29 pm
My husband put me as his beneficiary but I have recently learned that a week after naming me, he named his son as sole beneficiary. However he continues to lead me to believe that I am the sole beneficiary. Is this deception legal?
Posted: Sat Apr 11, 2009 11:19 am Post Subject:
Hi,
However, what I don't understand is why is her husband trying to lead her in to thinking that she is the beneficiary.
May be it's just to keep up the domestic peace.
I guess Lori is correct at stating it as a 'marriage problem' and more specifically as a 'character problem'. Well, at this stage we're still not aware of her husband's mental or health conditions. So, I guess all our replies would simply revolve around what we have in our hands.
Steven
Posted: Sun Apr 12, 2009 03:48 am Post Subject:
It's not our job to decide what, if any, problems exist between the OP and her husband. This is neither professional nor wise. She asked a question about the life insurance policy, and it has been answered.
InsTeacher 8)
Posted: Sun Apr 12, 2009 04:34 am Post Subject:
In my opinion, Insurance Expert hit the proverbial nail right on its tiny little head.
Hello Teacher, Lori. How have you guys been? It's great to see you again.
Posted: Sun Apr 12, 2009 11:10 am Post Subject: hi
its not good on behalf of you, but according to rule your husband has all the rights to change the beneficiary as per his own convinience and will.
Posted: Mon Apr 13, 2009 01:53 pm Post Subject:
Hi,
However he continues to lead me to believe that I am the sole beneficiary.
Even if he's trying to make you believe that you're still the sole beneficiary, you'd need to hold on to your patience till you find out the truth. It could be such that he's assigned his son as the 'primary beneficiary'. So, in that case it would be important for you to find out if you've been named as the 'secondary' or 'tertiary beneficiary'.
Steven
Posted: Tue Apr 14, 2009 09:09 am Post Subject:
Why is it important to find out if she's named secondary beneficiary? As secondary beneficiary, she won't get a penny unless her husband's son dies before her husband and the husband doesn't change the beneficiary to someone else.
Posted: Tue Apr 14, 2009 01:19 pm Post Subject:
Hi Mark good to see you again as well...
Look the OP's husband cannot be trusted (told her she was bene. but she is not)...the quick answer is this...he can (and apparently did) change the bene. any dag gum time he takes a notion...why not purchase your own policy (and pay the premiums) on his life and make yourself the beneficary? he surely will ok and sign off on that...just make sure to stay in contact with the issueing agent...to make sure he doesn't try the old 'change-a-roo' again... :roll: geeze, i tell ya' if he was my husband his son would've already collected.. :wink: :x
Posted: Tue Apr 14, 2009 02:14 pm Post Subject:
Lori, great post. This type of thing is fairly common with second marriages. The parent has loved their child for 10, 20, or 30 years or whatever the age is of the child. The new wife has been around for a year. The child is permanent. The wife may not be.
Are you in a second marriage? Do you have doubts that your marriage will work? Do you not trust your spouse? Do you need to be the beneficiary of the life insurance? If any of those questions can be answered in the affirmative by someone who is going to be the beneficiary of a life insurance policy, it probably makes sense to also be the owner of the policy.
Posted: Wed May 13, 2009 03:22 pm Post Subject:
unless you are irrevocable beneficiary, your husband has all right to change benificiary without your consent. Yes I understand it hurts when your husband lies to you, however the deception is legal
Posted: Mon Jun 29, 2009 07:01 pm Post Subject:
my childerns are upset and mad at me because iam going to change sole beneficiary to my new wife and all other plans 401k, life, stocks,ira, and any things i have.
i have 14, 15 ,17,does any one know if the exwife or childerns can legally challenged my policys. our marriage was only 9 years and 6 mos.
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