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How to Purchase Life Insurance on Ex-Husband

​As a life insurance agent, one question I often get asked is...

"Can I purchase life insurance on my ex-husband?"

In most cases, Yes!

But here are a few things to consider:

 Protect the Alimony or Child Support your Ex-Husband Provides with Life Insurance
  • He may not want to "help" or "comply"
  • Buying it legally  with his knowledge
  • Making it as EASY as possible for him  (so he'll actually go through with it)

In this guide, we'll give you insider tips on how to get life insurance on your ex-husband the easy way, with his full knowledge.

​1. You Must Prove "Insurable Interest"

You have to be able to prove that your ex-husband’s death would financially impact you.

If so, there is a legitimate need for insurance, or "insurable interest."

"By far, the #1 reason a woman takes out life insurance on her ex-husband is to protect her alimony income."

Say you’re getting paid child support, or have children you’re both helping to put through school or college.

​His death would mean you have to bear 100% of the financial burden of raising your child/children.  

You too have an insurable interest.

2. Yes, ​He Must Know About The Insurance

Since your ex-husband will be the insured, he will need to answer questions about his health and sign an insurance application.  

You can’t take a life insurance policy out on your ex-husband without his knowledge.  It’s impossible.

In fact, he will not only know about it, but he may have to take a medical exam so the insurance company will make an offer.

I’ve run into some trouble here in the past when the ex-husband doesn’t want to cooperate with answering questions or taking an exam.  

If you have children together, you might consider putting the children down as beneficiaries on the policy, and tell him so, to get his cooperation.  

If you don’t have children, sometimes a charity or religious organization will work.

3. How To Make Getting The Insurance Easy For Him

As with any form of breakup emotions are really high, and for some people, their level of pettiness has no bounds.

One of the most significant issues you will run across is finding a way to take the hassle out of buying life insurance for your ex-husband.

The best way to do this is to simplify the process by only looking into simplified issue, no exam life insurance policies.

No exam life insurance is going to be the fastest way to get your ex-husband covered and out of your way.

You can usually get up to $500,000 in coverage with most carriers.  

These policies will require no exam and usually a telephone application, and the best ones don’t request medical records.

Your goal is to get this process over as fast as possible; we want to avoid a long drawn out process that getting an exam will have him take.


Think saving money on life insurance is as easy as getting a quick online quote?  Think again!  You need an expert guide.  We know the right companies for every age, health issue, and need.  It's quick and easy!  Get started with a free life insurance quote now!  

4. Who's All Involved in Purchasing the Policy?

Four different parties are involved in the purchasing of a life insurance policy:

The Insured

When we talk about the insured, we are mainly talking about the person we are covering.

In this instance, it would be your ex-husband.

The Owner

Policy owners are the only people who can make changes to the policy.  

They are the only ones who can cancel it or change the beneficiary.  

The owner has the final say in how the policy works.

The Payor

The payor is going to be the person responsible for making payments, and they can be separate from both the owner and the insured. 

However, in most cases, if you are the payor, you probably want to be the owner as well.  

If you are paying for life insurance on your ex-husband, you want to make sure he can’t make any changes to the policy.

The Beneficiary

There are two types of beneficiaries:


The primary beneficiary is the first person(s) you want the money to pay out to if the insured passes away.

You can have more than one primary beneficiary as long as the split of the money equals 100%.

For Example:

Primary Beneficiary

Mother - 50%

Father - 50%

Contingent or Secondary

The secondary beneficiary, almost always shown as the contingent beneficiary is going to be the next person(s) that you would like the policy to pay out to if the insured and primary beneficiaries pass away.

You can have more than one secondary beneficiary as long as the split of the money equals 100%.

For Example:

Primary Beneficiary

Spouse - 50%

Mother - 50%

Secondary Beneficiary

Son - 50%

Daughter - 50%

In the above example, if you, your spouse, and your mother all passed away at the same time, the monies would pay out 50/50 to your son and daughter.

What Does This All Mean?

In most cases, you would be the owner, payor, and beneficiary.  

Your ex-husband would only be the insured.  

Be sure to tell him he would not be liable for any missed payments – ever.  

As the owner, you have 100% control over the policy.  

You can change the beneficiaries, payment mode or frequency, or even decrease the face value (death benefit).  

For whole life or other cash value policies, the owner would also maintain complete control of the cash value, including having access to cash or loans.

Your ex-husband would have no control or access to the policy, and structured like this, would in no way benefit from being the insured on the policy.


Can a Man Purchase Life Insurance on His Ex-Wife?

Yes.  Everything written above applies to both cases.

Can I purchase life insurance on my boyfriend or girlfriend?

Yes, again – as long as there is legitimate insurable interest. I wrote an article on this question, which can be found here.


At Huntley Wealth, we treat every customer like they're family.  Our agents have NO sales quotas, so we're able to spend all the time necessary with every client.... there's no hurrying off to the next call with our agents.

Getting Started

It’s really important to understand your options and honestly, it can be easier working with an agent when trying to complete this process.  

Your agent can be like your “Insurance Counselor” and help you guys through this process together.

This is especially true for people who didn’t had a messy divorce.

Simply use the form on the upper right-hand side of this page, or give us a call at 877-443-9467 and we will assist you with getting coverage on your ex-husband today.

*While we make every effort to keep our site updated, please be aware that "timely" information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.

All Comments

  1. David Murray on October 12, 2011, 12:46 am

    Can an ex-spouse keep a life insurance policy in force on their ex-spouse’s life without their knowledge? I assume they would have to continue to show an insurable interest, correct? If someone tried to file a claim because they kept such a policy in force unbeknownst to the insurance company, could this be considered insurance fraud?

    Thank you for any information you can provide on this matter!

    David Murray

    • Chris on November 21, 2011, 11:21 am

      You only have to show insurable interest at time of purchase. If there’s no longer an insurable interest at some point, it’s up to the owner whether or not they want to keep the policy in force.

  2. Laurelle on January 18, 2012, 4:09 pm

    My ex-husband owes me over $30,000, which I have been unable to collect (he is friends with the district attorney), and he swears he made payments, but I never received them. He now lives in a million dollar house, has alienated my daughter against me, and I am wondering if I can get an insurance policy, and at least recover some of the money he never paid (it was only a measly $100/month). I feel I have lost everything, and have nothing.

    • Chris on January 18, 2012, 5:51 pm

      I’m very sorry about your situation. That is tough, indeed.
      You could take out a policy on your ex-husband with his knowledge and consent, and provided that we can still prove an insurable interest.

  3. Gina on August 1, 2012, 4:26 pm

    Can an ex-spouse keep an insurance policy on you even if you don’t want them to?

    • Chris Huntley on August 13, 2012, 12:54 pm

      Yes. I assume you mean if it was purchased while they were married.

  4. Roberto de on September 3, 2012, 3:38 pm

    Back in 2000 my espouse was still covered in a life insurance thru my job when she passed was I entitled for the insurance if I was still paying it keep in mind I was divorced already

    • Chris Huntley on September 7, 2012, 4:46 pm

      Hello Robert,
      If the policy was still in good standing and you were the beneficiary, you should technically be able to file a claim and may be able to collect pursuant to the company’s normal claim approval process.

      • Roberto de on September 10, 2012, 11:32 am

        Thanks , I called the company I used to work with and they said there looking in to it I know the policy was thru Aetna like I said it was back in 2000 will I still be able to collect and if I do will they pay intrest.

        • Chris Huntley on September 13, 2012, 11:56 am

          I believe many policies do pay interest on top of the death benefit. Good luck.

        • Lauren on November 8, 2013, 6:19 pm

          Hi Robert,
          I am going through the same thing right now and I would just like to know how everything worked out for you?

  5. Shannon on October 8, 2012, 8:41 pm

    In my final judgement, I did get court okay on obtaining life insurance, at my own expense, on my former spouse. This may be a stupid question, but where do I go to initiate this

    • Chris Huntley on October 22, 2012, 1:13 pm

      Hello Shannon,
      Just give us a call at 877-443-9467 and give us the health details on your ex-spouse. We can give you a quote.

  6. Roberto de on October 9, 2012, 4:32 pm

    Dear Chris
    Today I got a call from the offices of my former employer regarding the insurance , they got the death certificate already now they want my divorce decry and she ask since when we’ve been divorce , do you know why there asking all those questions.

  7. Roberto de on October 23, 2012, 1:22 pm

    Today I get another call the lady told me that since we were divorced in 1996 that the life insurance would not be valid that she would have not been coverd through the company’s policy Do you think I should get an attorney or just let it go.

  8. Heather on November 5, 2012, 9:58 pm

    My ex-spouse and I kept our life insurance policy for eachother after our divorce to help with the expenses of raising our child , should one of us die. My question is, is it better to set up a trust for my child instead of leaving a lump sum of money to my ex, with the hope that he does the ‘right thing’ with the money?

    • Chris Huntley on November 6, 2012, 1:36 pm

      I’m no lawyer but that sounds like a good idea to me. Then you could even elect someone you trust to be the trustee of that trust, and your child or child’s new guardian could only access the funds for whatever provisions you allow, such as schooling, transportation, clothing, etc.

  9. gloria on November 8, 2012, 4:16 pm

    How can a ex wife take out insurance on ex husband an put herself down as wife an sign his name without his permission.They have been divorced since 1993 an she did thid in 2004,is this legal to do or is this fraud,he also had cancer an she new it an she was also remarried at this time to another man.need help with this one

    • Chris Huntley on November 14, 2012, 2:05 pm

      Hi Gloria,
      What you’re describing is not possible without fraudulently signing the application in his name. All Life Insurance applications require the signature of the insured.

  10. MinCy on January 6, 2013, 3:06 am

    My husband’s ex wife is asking to get a policy out, he won’t pay any cent and she will be the beneficiary, this is also part of their divorce agreement, they have no child. Is she with “insurable interest” to qualify for a life insurance? Since he is married now, can my husband say NO to this? What is law about this in California. Please help. I dont want my husband to die sooner. 🙁

    • Chris Huntley on January 11, 2013, 3:48 pm

      Yes, Mincy. She does have an insurable interest. Her income is dependent upon him being alive.

  11. Lisa on January 9, 2013, 4:13 pm

    Would I have an insurability interest in my soon to be ex husband since I will be getting half his pension, which is about $2000 per month but stops at his death? What type of language would need to be in the divorce decree where he would have to agree to it as long as I paid for the policy? I don’t want my livelihood to be tied to him and have a significant drop in income when he dies.

    • Chris Huntley on January 11, 2013, 3:43 pm

      Hi Lisa,
      Yes, you certainly would have an insurable interest. Give us a call at 877-443-9467 for a quote.

  12. Amber Tiell on January 27, 2013, 10:32 am


    I have been divorced since 2005 and have three young kids with my ex husband. We have shared custody….that being said would I be able to take out a life insurance policy on him? He has one on me that he has continued to pay on from when we were married.

    Amber tiell

    • Chris Huntley on February 7, 2013, 3:24 pm

      You definitely have an insurable interest since you would be taking care of the kids 100% of the time if he were to pass away. He must be willing to cooperate though, with letting you take out the policy on him.

    • roslyn garrett on June 23, 2015, 6:39 pm

      if my ex husband take out a life insurance without my knowledge while we were married would he be allowed to keep it after we are divorced. I recently found out about it

      • Chris Huntley on August 28, 2015, 2:38 am

        Hi Roslyn
        I’m really not sure. That would probably be a question for an attorney. Thanks for reading!

  13. Jose on February 2, 2013, 3:06 pm

    When I got married I got life insurance on my wife in 1999. We were separated in 2001 and divorced in 2006. Can I still keep the insurance policy even thou we are divorced? She is aware the policy excists.

    Thank you


    • Chris Huntley on February 7, 2013, 3:01 pm

      Yes. You only have to have insurable interest in the insured person at the time of purchase of the policy. Same thing goes for business partners who take out a policy on each other. Even if they close the business, they can keep the policies on each other if they want.

  14. Sarah on February 4, 2013, 2:46 pm

    My husband’s ex-wife has been trying to take a life insurance policy out on him and he has been turned down twice. I just learned that she has been telling him that the policy would go to their son, but she is claiming that they are still married. She has never changed her last name. Why would she claim they are still married and how would that affect the policy?

    • Chris Huntley on February 7, 2013, 2:59 pm

      Maybe she is claiming they are still married because she doesn’t think they will give her the coverage if she says they’re divorced…. just a guess. I would guess that would have no affect on the policy if it gets issued. It does not seem like a material misrepresentation to me, but I’m no lawyer, so maybe you should consult an insurance lawyer. The best thing for her to do is say they are divorced. As long as she still has insurable interest in his life, they will still issue a policy to an ex-wife.

  15. donna on February 5, 2013, 10:49 am

    I am looking to get life insurance on my x-husband. I get part of his retirement from the military. If he dies that will stop.
    the divorce was a nasty one, and he refuses to have anything to do with signing to take out a policy to cover this income.
    what can I do?

    • Chris Huntley on February 7, 2013, 2:49 pm

      Hello Donna,
      You really can’t force him to let you buy life insurance on him unless mandated by the court. Is it too late to work this into your divorce decree? You might offer to reduce your income you get from him in exchange for letting you buy a policy on him.

  16. Emma on February 7, 2013, 10:56 am

    My ex informed me he took a 500,000$ policy out on me and I have no knowledge of it and did not sign any papers. Is that possible? I am a stay at home parent and the amount he said seems rather high given i have no income. Is there any way to find out if he is telling the truth or bluffing? And if I did not consent is what he did illegal?

    • Chris Huntley on February 7, 2013, 2:47 pm

      Hi Emma,
      To my knowledge, you cannot take out a policy on someone without the insured person signing the application, so either he forged it, or he bought it when you were married and you forgot. Sometimes this happens when people pick up some life insurance in the process of buying auto or home insurance, you know?

  17. Kim Sterrett on February 28, 2013, 7:47 am

    Need life insurance n soon to be ex husband.

    • Chris Huntley on March 22, 2013, 3:27 pm

      Hi Kim,
      I’m happy to help.

      Give us a call at 877-443-9467 for a quote.


  18. Daniel on March 14, 2013, 7:42 am

    My mother passed away a month ago. My brother called me and said there is a life insurance policy on her. And that I’m listed as a beneficiary. He’s telling me he’ll take me to court if I don’t sign the check over to him because he made all premium payments and my mother didn’t want me to have any of it. Does he have a leg to stand on in court and am I fighting a losing battle?

    • Chris Huntley on March 22, 2013, 3:11 pm

      Sorry Daniel, you’ll have to speak to an attorney about this. I know the insurance company will definitely write the check to you. Obviously at one time, that money, or part of it, was intended for you.

  19. Sandi on May 16, 2013, 10:48 pm

    My ex and I have been divorced since 1998 we have one son who is now 18 years old. He has some learning disabilities. My son will live with me for the rest of my life. I want to take a whole life policy out on myself and my ex. Making myself and son the beneficiaries on the exes policy. However, I was told that as long as the policy amount is less than $300K I can get the policy without my exes permission. i.e he would not be required to sign the paperwork. Have you heard of this before? Also the ex lives in another state from myself and my son. Would I have to purchase the policy in the state that the ex resides in. If the ex has to sign I don’t for see and issue but if he refuse, I just take him to court on it.

    • Chris Huntley on June 3, 2013, 3:13 pm

      Hi Sandi,
      I’ve never heard of the 300K of coverage without his permission. He’ll have to sign as the insured for any policy you buy. Living in a different state shouldn’t be an issue with most companies. Give me a call if you need help at 877-443-9467 and ask for Chris.

  20. Gloria on September 21, 2013, 2:55 pm

    Hi there, I’m just wondering if I’m able to purchase a life insurance plan on my husband. We are still married & living together.

    • Kimberly Ely on October 3, 2013, 11:40 am

      Hi Gloria – You bet! A spouse has ample ‘insurable interest’ to acquire life insurance on their spouse, as long as the insured party agrees to the coverage and is willing to complete the application and submit to an exam. Other acceptable relationships may include adult children acquiring coverage on their parent, domestic partners acquiring insurance on each other and in some cases, non-related parties with an insurable interest in another party, such as a lendor to a lendee to secure the debt. Please give me a call at 877-443-9467 or drop me a quick email and I would be happy to run you some quotes. Thanks!

  21. Maureen on October 1, 2013, 8:50 pm

    Good evening… I was just divorced last week after 25 years of marriage. 2 kids both in their 20’s. many years ago I got a small life insurance policy on my then spouse through my employer. I left that job years ago but was able to keep the policy and continued payments. Am I still entitled to keep that policy? Even if divorced and I changed my name back?

    • Kimberly Ely on October 3, 2013, 12:19 pm

      Hello Maureen – I am sorry to hear of your divorce – I too was divorced after 25 years of marriage, and can assure you – life can be better than ever after a divorce! Even though you are now divorced, you still have valid insurable interest in your ex-husband. Often a judge will decree that a policy must be made available after the divorce, for the benefit of the ex-spouse and/or the children. As the owner of the policy, you still have rights over it, and can make the name change quite easily. You can call the insurance carrier (I usually just Google them to find the contact phone number) and they will either change the beneficiary name for you over the phone, or, they may send you a change form to complete and sign. Either way, you can easily change the name of the beneficiary if you wish. Good luck!

  22. Chloe on October 9, 2013, 4:39 am

    My spouse recently passed away. His ex is requesting death certificates; she has always lived in a different state than we have. I am told that she purchased life insurance policies in NY after their legal separation in 1995 without his permission or knowledge. There were no minor children at the time, and no award of maintenance at the time of divorce in 1999. The ex applied for and signed my husbands name on all applications for the insurance. Can she do this? I don’t have the names of the companies but it is more than 1. Is there anything I can do about this? Co-incidently her 2nd spouse of 2 1/2 years passed away this year as well, and she changed his beneficiary from his daughter to herself while he was in a coma in a nursing home.

    • Chris Huntley on April 16, 2014, 9:08 am

      oh my gosh. This woman seems like she’s out for blood. Of course, legally you can’t buy coverage on someone without their knowledge. you might speak to an attorney about this.

  23. Lauren on November 8, 2013, 6:16 pm

    I got a life insurance policy through my job for my husband in 2007. We got a divorce in 2011 and he passed away in 2013 and after all of this time I was still paying my premium. Now I am trying to file a claim with a company and they are saying the claim is not eligible because of our divorce and they would like to reimburse my money from the time of the divorce. I live in FL and have never heard of this before is this something that you have heard of because, I am seeking an insurance lawyer and just wanted to receive other opinions.

    • Chris Huntley on November 13, 2013, 12:00 pm

      Hi Lauren,
      I would say you should contact an attorney. As long as you were married when you bought the policy, you had insurable interest at the time, but maybe this isn’t an issue of insurable interest, maybe it has something to do with it being a group policy, and you’re only supposed to be able to buy a policy on your spouse through work. You’ll have to check the policy wording, but definitely review it with an attorney.

  24. Eileen Stephens on December 16, 2013, 6:16 pm

    Hello, I got life insurance on my ex husband when we was married. I still have that policy and still paying on it even though we are now divorce. He has also move to another state is the policy still good, even if he dont live in that state of the policy, or will the insurance company have to refund me money?

    • Chris Huntley on April 16, 2014, 8:57 am

      It’s OK for you to keep that policy on him, and no, moving states shouldn’t affect a payout.

  25. kelly on May 16, 2014, 8:08 pm

    hi chris,
    my xhusband had a life insurance on himself and myself where he works as a police officer in georgia.we got back together and only lived together for about 6 more years until i finally left and remarried in 2011.we had been together 20 years.he just passed away from responding to a fight call and had a massive heart attack.he still had me as his beneficiary.we have always had joint custody of our two kids 16 and 19 with living residency with him so we didnt have to remove them from their school district.his family has a strong dislike for me and before he could get cold they were on phonee at police everywhere else finding out about money.they have been constantly with chief of police about what im getting and so on.i am finally able to be with my kids in peace after years of physical abuse that they had to see.can they change and forge papers a long with the chief of police an insurance company.i have my kids to think of and all i want is to be able to give them a good life.but can they take this from me cause he talked to me an my kids all the time about this and was very adiment he wanted me to have afraid….can they fight me in ga.

    • Chris Huntley on June 12, 2014, 10:46 am

      Hi Kelly,
      You should seek legal counsel about this. If you’re the beneficiary,they shouldn’t be able to mess with your death benefit, and it’s too late for them to forge any papers and change the beneficiary to themselves. I think you should be ok but definitely consult with an attorney about this, as I’m just an insurance agent and can’t comment on this any further.

  26. Barbie O'Reilly on May 17, 2014, 3:20 pm

    My husbands ex wife has never cancelled the life insurance policy she obtained when they were married back in 1982 So we are being told anyway. My husband cancelled her policy he had, My husband had a lot of medical and is rated as
    “Uninsurable” due to his AFIB, kidneys and liver cancer. I can’t even insure him myself, she keep tell their 30yr old she will make a killing when he dies. Can she keep this policy and claim it God for bid when he passes?

    • Chris Huntley on June 12, 2014, 10:43 am

      Per my understanding of life insurance, she isn’t doing anything wrong. At the time she took the policy out, there was an insurable interest. After a policy goes in force, there’s no requirement the insurable interest to remain in tact.

  27. jon on May 18, 2014, 5:24 am

    hi, my wife filed for divorce in October 1010 and was final in the middle of January 2011..we had been a gold member of AAA for almost 20 years.. in April of 2011 a letter came by mail from the AAA stating that the AAA membership had been dropped but the 1 million dollar life insurance on me remained effective. my wife was the primary AAA membership holder. I had no idea she had taken out this life insurance policy on me. I believe she had taken it out right before she filed for divorce.. at that time I had and still have a life threating disease. I signed nothing and never had any kind of medical exam.. And to make matters worse she withdrew and closed out the bank accounts that we had established for our three grand children.. What legal course of action can I take regarding the life insurance policy…

    • Chris Huntley on June 12, 2014, 10:41 am

      Hey Jon,
      Yeah, I think you could get a lawyer for that. I have no idea what could be done though.

  28. MeChelle on August 8, 2014, 11:11 pm

    Me and my husband have had a life insurance policy on each other and a child rider for years . It comes out of my checking account each month and he’s not in very good health . Premium has always been paid on time. We are very amicable . We are changing ownership to me since I pay premium. I have filled out paperwork to be owner and beneficiary of his and my minor daughters policy. Do I have to list him as spouse rider beneficiary ?

    • Chris Huntley on February 23, 2015, 3:40 pm

      Hi MeChelle,
      This is really a service job for your current life insurance agent, but I don’t think you need to change the beneficiary at all. You continue paying on the policy on his life and remain beneficiary if he passes.

  29. christopher on August 11, 2014, 5:34 pm

    In Hawaii, may a husband (separated, not divorced) buy a life insurance policy on his wife without the wife’s knowledge or her signed permission? May I, as third party, neither the husband nor wife, report this forgery to the Hawaii authorities as a “whistle blower”? If so, to which authorities? Is this forgery a felony? The policy is $35,000.

    • Chris Huntley on February 23, 2015, 3:43 pm

      Hello Christopher,
      No under no circumstances that I know can anyone buy a policy on any other person without their knowledge (except in the instance of a minor child). I think that yes, it would be illegal, since the person applying for coverage would have to forge the signature of the insured person. If there was proof of that, I would start with the Hawaiian Department of Insurance or your local police department. Seniors get taken advantage of all the time by people trying to take out policies on them.

  30. terrence on August 13, 2014, 4:37 pm

    My ex girlfriend took out like three policies on me and I wasn’t aware of two of them until I received mail from AAA saying I had policies on me I called aaa and they told me some one signed my name so I cancelled it the agent informed me that it was did over the web.can this be done she is telling people she is gona kill me..

  31. Lucille Nowakowski on October 8, 2014, 1:24 am

    Hi Chris, I was divorced in 2011, my ex husband was ordered to pay child support and also take a life policy insurance naming me the beneficiary, however, he has refused to pay a dime for child support and getting the life insurance policy. I had to raised my kids and provided for them all this yrs. My son and daughter are 17 yo and 19 yo.Hi’s only 49 yo but has some medical problems, can i enforced the court order in regards to the life insurance policy?

    Thank you


    • Chris Huntley on October 21, 2014, 7:14 pm

      Hi Lucille,
      Unfortunately, this question falls more under the legal domain. I would suggest you begin with the attorney from your divorce proceedings and/or your local child support enforcement office. I wish you the best of luck with this.

  32. michael on October 30, 2014, 10:04 am

    had to purchase life ins on myself to my ex in divorce settlement. my children where 3 and 4 of age then. so i understand why. now my girls are 22 and 23 of age. can i have this dropped off final decree. don’t want her to profit from my death.. haha. thanks

    • Chris Huntley on November 7, 2014, 2:45 pm

      Hi Michael,
      I understand your concern. This sounds like a question for the attorney you retained for the divorce. The attorney can guide you on the legalities of removing your ex-wife from financial documents.

  33. sharna on November 27, 2014, 7:28 am

    my husband and i are divorced but we still co own a house. its 50/50 on both our names and he is still living init and pays me half rent which i use to pay off my half of the mortgage. can i take out a life insurance policy so that if anything happens and my ex husband dies i can have an insurance which will pay off the mortgage? x

  34. Carol on December 7, 2014, 10:06 am

    My husband and I are separated and going through a divorce. I am not getting alimony and our children are adults. With his permission and signature, can I take out a life insurance policy on him before we are divorced? I will be paying the premiums.

    • Chris Huntley on April 29, 2015, 11:41 am

      Yes I think you could as long as you’re still married depending on how the marital status question is asked on the application. If “separated” is one of the statuses, which I doubt it is with most companies, you might have a hard time. Look for one where you can say you’re married. After you’re divorced, it doesn’t appear there would be insurable interest.

  35. Tony Byrne on March 31, 2015, 10:23 am

    Hi Chris

    My name I Tony and I live in Ireland. I got divorced from my first wife in 2002. I only found out recently that since our divorce she had still been paying the premium on our life and serious illness policy. I have spoken to her since as we are still friends. I have since remarried in 2012. She is in agreement to change the beneficiary names ie; that is she is willing to change her name to my current wife’s name in the event of my death along as I change my name to her brothers name in the event of her death. Is this legal and OK if both parties agree? I would be so grateful for your advice at this time. God Bless; Tony

    • Chris Huntley on April 13, 2015, 2:47 am

      Hi Tony,
      It sounds like you need to consult an attorney in Ireland. We are not licensed outside of the U.S. and have no way of knowing how to advise you in this situation.

  36. RObertW on April 3, 2015, 12:29 am

    Chris help. My ex-wife while we were married took me off policy as beneficiary. She left me on policy as insured without my permission. Also upon divorce we didn’t decide asecpts, judge allowed it too be decided later (ED) was and still in play. Insurance broker said he had seen in his company before a judge made a spouse put original recipient back on policy. Help p!ease!

    • Chris Huntley on April 13, 2015, 2:52 am

      Hi Robert,
      This is a question more suited for a lawyer. We would be more suited to answer questions specifically about a policy or to give a quote.

  37. Janet Storm on April 17, 2015, 7:40 am

    Help please! After 41 years of marriage my husband has filed for divorce. We have had life insurance on each other during this time. He and his attorney say that I am no longer entitled to carry the existing policy on him that it belongs to him and the policy that he carried on me belongs to me. I don’t agree. I have asked to maintain the policy that I am the beneficiary of as he can not guarantee my support until his death let alone after his death. Is he entitled to strip me of this established policy?

    • Chris Huntley on April 29, 2015, 11:18 am

      Hi Janet,
      I’m not an attorney so you’ll need to get legal advice on this. I think you can fight to keep the policy on his life, though.

  38. Paul on September 23, 2015, 5:33 am

    Hi, I took out a life insurance policy on my wife in another country over 10 years ago. Since then, we divorced and I have been told by the company that the only way I can cash in the policy is if she signs. She refuses to sign the form, claiming that she should get the money or a portion of it, whereas I paid all the premiums and she has already been amply compensated in many other ways in the divorce settlement. I also proposed that she sign a document saying that she would put the proceeds from the cash value of the policy as advance payment on childcare and maintenance. She even refused that. Is there any way around this? I would like to stop making these payments and even though we have a child together I am perfectly capable of looking after the child on my own if she dies and therefore don’t need an insurance policy on her life as back-up (no insurable interest). Can she be forced to sign or can I be granted a waiver so I can cash it in?

    • Chris Huntley on October 4, 2015, 12:36 am

      Hi Paul,
      I’m really not sure. That would probably be a question for an attorney. Thanks for reading!

  39. Julie on October 14, 2015, 6:57 am

    Hi Chris,
    I live in Oklahoma. I currently have a group life policy on my husband through my employer. We are divorcing. We have one minor child whom will will do full joint custody of. I have been told I can continue to carry the group life policy because we have a minor child together whom I will be 100% financially liable for if my ex husband passes away. Is this correct? Or do I have to cancel the group policy once the divorce is final?

    • Chris Huntley on November 8, 2015, 1:56 pm

      Hi Julie,
      You should confirm with your HR department and current insurance company. I would also recommend speaking with the attorney that handled your divorce to confirm this is the case.

  40. Jodie Mulheron on December 1, 2015, 2:53 pm

    Hi Chris,
    My question is: My Ex-husband has been paying my premium on my life insurance for four years. He has been the beneficiary. I have recently change my beneficiary to my fiancé. If something were to happen who would collect my life insurance benefit?

    • Chris Huntley on December 5, 2015, 11:37 pm

      Hi Jodie,
      I suspect that’s not what is happening here; or you did not mention if you have taken control of the policy and premiums.

      It is legal for your ex to continue paying premiums on an existing policy taken out on you and any children. You would have signed for this policy as the insured, and he likely would be the named owner on the policy. If your ex is receiving the bills and paying the premiums for this policy, the only way that’s possible is if he is the owner. Unfortunately, once you gave him ownership rights to your life insurance, that can’t be undone without his consent.

      The owner of a life insurance policy not only is the one who pays the premiums but also is the only one who could change the beneficiaries. I suspect that he must be the primary beneficiary, if he’s willing to keep paying the premiums.

      Thanks for reading

  41. Jodie Mulheron on December 10, 2015, 9:12 am

    Hi Chris,
    Just a quick follow up. I am the insured and the policy owner on my policy. I have changed the beneficiary to my future husband. The ex-husband has been paying the premium since we divorced 4 years ago. It was never put in the divorce decree. It was something he had offered to do. I know why, he was the primary beneficiary on the policy. I don’t want the ex to think since he’s been paying the policy that he would be able to collect on the policy. I am the owner of policy and I changed to beneficiary to my fiancé. I’m sure when he gets wind of it, he will stop paying the premium, but for the meanwhile I am going to let him pay the premium. Question is: I don’t want the ex to think he will be able to collect on policy, since he has been paying it. Thank You

  42. kim on April 29, 2016, 10:29 am

    My son is 25 and his father gave him the life insurance policy that we bought for him when he was a baby.. Can my x husband cash in part of my sons life insurance policy that we took out on him in 1991 and me not sign for that?

    • kim on April 29, 2016, 10:32 am

      he said that I was given $15,000. during the divorce and I was not. nor did I ever sign anything saying he could get money out of the kids policys.

      • Chris Huntley on April 30, 2016, 4:55 pm

        Hi Kimberly,
        This appears to be more of an asset settlement agreement question, which should be asked of your divorce attorney. Best of luck.

    • Chris Huntley on April 30, 2016, 4:55 pm

      Hi Kimberly,
      This appears to be more of an asset settlement agreement question, which should be asked of your divorce attorney. Best of luck.

  43. Sharon on April 30, 2016, 1:44 pm

    Chris….I need information (as ammunition as well as a possibly remedy!). My ‘ex’ was ordered to obtain a $500,000 Life Insurance Policy in our divorce, FOR ME, in case he dies and my periodic, permanent Alimony would stop. He has failed to do this (from 2009). He has been a real PITA about EVERYTHING concerning his obligation to me after the divorce and I’ve had to file several Motions against him for Enforcement, Contempt and Commitment. His latest big excuse is that he cannot obtain the Life Insurance Policy because he voluntarily admitted himself into Rehab (alcohol) in mid-2013. Funny though, that he ‘managed’ to pull a rabbit out of his lawyers hat just before the Commitment Hearing (where he would have had a warrant out for his arrest) and was ‘able’ to obtain a $300,000 policy in April 2014, through the Insurance provide via his employer. He only had that job for a year and when he got another job in 2015 he did not obtain another Life Insurance Policy for me. I need to know what other kind of options I might have in order to secure this policy…..CAN he obtain the required (court ordered) policy for $500,000 even though he was in Rehab 3 years ago? Can I obtain a policy “on him” because I have a court order regarding this matter? If there’s anything you know that can assist me with this dilemma please let me know and if I need to provide information, etc. I can do that. If he CAN obtain a policy, is there a way I can get some preliminary documentation to show the court that he IS able to obtain this policy? He will just keep saying “he can’t do it because of Rehab”, and I need to prove that he CAN! HELP!?!? Thanks, Sharon

    • Chris Huntley on April 30, 2016, 4:45 pm

      Hi Sharon,
      Yes. If you have the proper court decree stating that your ex is ordered to pay permanent alimony, you are able to purchase a life insurance policy on him. Keep in mind that he will need to know about the policy and you must prove “Insurable Interest”.

  44. Edna on May 23, 2016, 1:47 pm

    My ex was ordered by the court to carry life ins on himself naming me beneficiary, it’s thru his employer, how do I get copy showing this has been done ? & I took my maiden name after divorce & I want to make sure that name is on policy too.

    • Kimberly Ely on September 16, 2016, 12:35 pm

      Hello Edna, If your husband is the owner (and I am sure he is) then only he can get your a copy of the policy, or evidence of the policy. Unfortunately, you, as the beneficiary, have no way to exact that information from the insurance company. You will just need to contact your ex-husband and ask him. Sorry…

  45. Ms. Kay on March 24, 2018, 7:14 am

    Can my ex-husband apply for 200k life insurance in my name as owner, himself as beneficiary, and sign for me? He is named as an insured rider (also our son is) w/me beneficiary. Also, he setup payments to be withdrawn from my individually owned checking account. He does currently pay support by deposits to this account (how he got #).
    Will he be paid ( or will I be paid from his rider) upon either of our deaths?
    [ synopsis: The docs say my name as owner, but he signed them]

    • Kimberly Ely on May 23, 2018, 7:52 am

      Hello Ms. Kay, Hmmmm…that’s a good one…So, technically, his signing for you is a type of fraud – and so I don’t really know how the carrier will react upon his death. If you have agreed for him to sign for you, then probably all is well, and it doesn’t matter, BUT you don’t want to give a carrier any reason to NOT PAY your claim…I would suggest you run this by an insurance attorney, just to be safe… Good luck!

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