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Ana Sm · Oct 31, 2012, 08:02 AM

Just need a definite answer from someone who knows what they are talking about. My husband (74) and I (66) are both seniors. The only reason I would want a life insurance policy on my husband is to insure some kind of security for myself, as all I have at the present is a very small Social Security check. He is presently living with another woman. We are not divorced. Can someone give me an answer? He is presently living in Florida. I would appreciate some kind of honest answer. Even writing this I afraid he may find my request.

ScottGem · Oct 31, 2012, 11:30 AM

Its not a good idea to piggyback your question on another thread. To avoid confusion I've moved your post to it's own thread.

As I said in my response to the other thread, I don't think its illegal, So what you NEED to do is contact insurers and explain the situation, and see if they will write a policy.

Senior Lass · Oct 31, 2012, 04:02 PM

Thank you. As you can see I do not know that much about computers. Would you know of any Insurance companies I could contact. Once again I appreciate you quick reply.

Senior Lass · Oct 31, 2012, 04:06 PM

Can I get a life insurance for my husband without his consent. He does not believe or approve of any kind of insurance. I just want to protect myself, as my only income is a very small Social Security check. Also I would not have money to pay for his funeral. Can some one who has good knowledge with regards to insurance please respond. He is 74 years old and I am 66 years old. He presently lives in Florida. I would only appreciate honest answers. Thank you

Wondergirl · Oct 31, 2012, 04:09 PM

Call your public library's reference desk to get the names of highly rated life insurance companies and contact phone numbers.

joypulv · Oct 31, 2012, 04:40 PM

They are going to want medical history. 74 is awfully late to be getting insurance and will be very expensive and have lots of riders. Plus he won't be covered at all for the first 2 years, usually. There are no 'exact' answers because there are so many kinds of life insurance. But I am afraid you are going to find that this is the wrong approach to security for yourself.

Personally I would look into divorce as a better option. What if he has a will leaving everything to someone other than you? (Of course we don't know what financial arrangements you have with him for the present.)

ScottGem · Nov 1, 2012, 04:38 AM

Did you open a new account?

I agree with Joy. There are any number of life insurance companies you can contact. There are WEB sites that will offer policies from many companies. Just search on Life Insurance. But getting insurance for a 74 yr old is going to be very expensive and hard to find an underwriter to do so without a physical exam.

ebaines · Nov 1, 2012, 07:49 AM

You say you need the policy for your financial security, but it's not clear that your income would be reduced if he dies. As his spouse you would be entitled to survivor's benefits, which depending on his and your work history may actually be greater than theSS benefits you receive now (which I assume are based solely on your work history, not his). Plus you would receive death benefits from SS which can help with funeral expenses. You really would only need insurance on him if he is currently sending you money every month which would be cut off if he dies.