Wife refuses to sign life insurance paperwork as I go on long term disibility
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Anonymous
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I am terminally ill with a few months to live. Wife is a SAHM (kid is in college) I recently transitioned from short-term to long term disability and part of this is I am responsible for my benefits. Those that currently matter are heath care (COBRA) and group universal life. The latter has about a 300/month premium for 1 mil in coverage and my wife thinks it is a waist. But, I look at it as what will keep afloat after my death. She refuses to accept that my cancer in terminal (doctors are recommending hospice), and does not see the reason. I need her signature on a form. She will not sign it. This will make the difference between 2 and 3 million is assets for her to live out her life (she is 54)
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Anonymous
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I’m sorry to say that it may not matter. Most life insurance companies have a clause that new policies or changes in policies do not take effect until one year after the policy has kicked in (precisely to prevent someone from getting a policy with a million dollar payout when he’s got a few months to live.)
You cannot control your wife. Make the kids your beneficiaries and let her deal with taking care if herself. |
Anonymous
This is not a new policy; it is a rollover of an existing policy. So I should be ok with pre existing conditions. |
Anonymous
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Frankly, forge her signature. Done. If she decides later to say she didn't sign it, her problem and not yours.
Glad you are still hanging in there and protecting your family. Did someone mention the memory books you can make? Seems like something your daughter could want. |
Anonymous
| Why does she have to sign it? My husband didn’t have to sign my term life policy. |
Anonymous
+1. I don’t understand what she would have to sign your election to continue these benefits. |
Anonymous
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Anonymous
+2 This is your employer benefit, correct? What does your wife have to do with it? Even if it were your own policy, your wife would not have to sign. Beneficiaries are determined by the policy holder. The only thing that could require her signature is if she is NOT the beneficiary. Is that the case here? |
Anonymous
Yeah, I second just signing her name; no one is going to look at it sideways, she’s your wife. I’m terribly sorry for your situation, I’m sure having her deep in denial probably doesn’t make it easier and hopefully she moves through it soon. |
Anonymous
This. Sign it on her behalf. Tell her support network she needs support and is in denial |
Anonymous
| Split it equally among your kids. Hopefully, one of them if not all will take care of her. |
Anonymous
Absolutely do this. |
Anonymous
| Widow here...get the policy signed. |
Anonymous
| Get it signed including signing her name if necessary. Another widow. |
Anonymous
| OP here. She signed the papers. We are good now. |