Insurance For Someone Else.

[bodeker]

Hi I was wanting to find out if I could take out insurance for my ex husband, just one of those that is enough to pay for funeral. He refuses to do this himself, just shrugs his shoulders when asked about it. I am worried my 2 children will be left to try to pay the costs when they cannot afford it !

[woofgang]

Are your children old enough to discuss it?

[Jennykenny]

Instead of insurance, start putting money away in Premium Bonds, in your own name of course, and with a bit of luck you should have enough when he dies.
You also have the possibility of winning prizes. (Do it with a standing order or direct debit so that you are not tempted to touch that amount.)
Who knows what the circumstances will be in five or ten years, and you may find yourself with a large nest egg.

[CrapAtCryptics]

just stick him in the green bin

[ummmm]

Your children are not obliged to pay.

[bodeker]

Yes they are their early 30s, think my daughter would say it unfair that I would have to do that and my son , well unfortunately we are not speaking at the moment. Being realistic we do not have many years left between us given to ill health so anything long term is the answer lol

[bodeker]

If it was up to me a green bin would be the answer CAC, I think they would feel obliged, also it puts the onus on other family members would I don't think should have to pay either.

[bodeker]

should read who I don't think should pay.

[ummmm]

But they don't have to. If/when he dies tell them to contact the council to apply for a funeral grant.

[ubasses]

You can take out Insurance on another's life as long as you can show that you have a demonstrable interest, (you will be financially worse of if they die.)In this instance if your children say they would not be able to afford his funeral without it I cannot see a problem as long as they do not go for an unreasonable sum.
I cannot remember though whether you would need to get his consent. Hopefully if he is not paying that is something he may be willing to do.

[hc4361]

Not everyone gets a funeral grant - the person arranging the funeral has to apply for it and to qualify has to be on certain means tested benefits.

[ubasses]

Would there not be money in you ex's Estate to pay for his funeral. If there are sufficient funds in his Bank account, all they would need to do is take the invoice into the Bank and they would pay it from his account.

[bodeker]

Typed out answer and it disappeared ! HC , yes it would only give some ridiculous sum about £700 I don't think he would give his consent , he has always been weird about insurance, has always refused to have any, nothing has changed ! Ubasses, It would only be enough to cremate him anyway. I will just have to ask my insurance company and see what they say. Thanks for all responses.

[bodeker]

Ubasses, no he has no money, not that I know about anyway lol

[hc4361]

bodeker, bear in mind that nobody is obliged to arrange and pay for a relative's funeral. If the deceased has left no estate and there is no relative prepared to do it, the council has to provide a very basic funeral and inform next of kin of the time and place so they can attend if they wish. Here is one council's information and all councils have similar facilities.

http://www.bracknell-forest.gov.uk/funeralnationalassistance

[bodeker]

hc4361, thank you for that information. I personally feel no obligation to arrange his funeral but I know my daughter still loves her dad and would, even though one of her old boyfriends got himself into terrible debt when his mother died. So I think I am feeling more concerned about my daughter than anything else and I am beginning to feel angry at my exs selfishness.

[hc4361]

I can see how you are concerned, bodeker. Unless your daughter has expressly told you she is worried about this matter, don't give it a thought.

If your ex husband refuses to insure himself there is nothing you or your daughter can do - third party beneficiary insurance can be difficult to get mainly to stop many claims being paid out on one person's death and the difficulty in getting medical records and so on.

You could try writing to your ex asking him to consider the children and take out a funeral plan or life insurance.

[bodeker]

Thank you for that hc.

[ubasses]

To be honest I agree with HC, go with the Public Health Funeral, your children will still be able to attend. Apparently these are all held at 9.30am for some reason.

[woofgang]

if you take out a policy on his life, unless you are the beneficiary and still around, there is no guarantee whatsoever that it will be spent on his funeral......just sayin....

[bodeker]

Thanks ubasses. And wolfgang , yes would not surprise me in the least if the old sod outlived me and I wasted my time thinking about this lol