Can You Get Life Insurance On An Ex- Spouse [Here’s How]


Life insurance itself is pretty straightforward, but there are some frequently asked life insurance questions that arise, such as insuring an ex-spouse.

Getting life insurance on another person is possible in some cases, but you need to meet specific criteria of the insurance company.

Can you get life insurance on an ex-spouse? Yes, you can get life insurance on an ex-spouse as long as you have an insurable interest in his or her life, for example, they pay alimony to you. You also would need your ex-spouses to consent to the policy and underwriting.

 Purchasing life insurance on an ex-spouse is actually quite common in divorce.

In fact, the divorce decree may demand that your ex-spouse carry life insurance to maintain alimony or child support payments if they die.

The top life insurance companies are aware of these arrangements and can structure the life insurance policy a few different ways to accommodate your situation.

Life insurance is so affordable that there is no reason not to insure your ex-spouse, especially if you have child support or alimony arrangement.

Use our free rate comparison tool to compare the rates of over 30 highly-rated life insurance companies to see how affordable life insurance on your ex-spouse is.

Our article will in-depth cover everything that you must know about getting life insurance on your ex-spouse.

Skip ahead to any section that piques your interest.

How to Purchase Life Insurance on an Ex-Husband or Ex-Wife

You can get life insurance after divorce on an ex-spouse, but the first thing that you need to do is talk to your ex-spouse about it.

It may be a painful conversation to have, but your ex-spouse must consent to get underwritten at the very least.

Life insurance is something that you need to qualify for based on your health and your lifestyle.

In some instances, the life insurance company may require a medical exam or request to see your ex-spouses medical records, so they need to be aware and consent to the process.

Once you get your ex-spouse to consent to purchase a policy on their life, you need to figure out who the owner, beneficiary, and payor of the policy will be.

There are advantages and disadvantages to your ex-spouse owning and paying for the policy.

If your ex-spouse owns their own life insurance policy, they can change the beneficiary.

Now, a divorce decree offers your some protection on getting your fair share from his life insurance policy since if they removed you, they’d be uncompliant with the court order.

However, if the policy is something that you agreed on outside of the legal system, you may want to own the policy instead of your ex-spouse.

People get remarried and relationships sour.

Owning the policy yourself protects you if circumstances change between your ex-spouse and you in the future.

The same thing goes for listing your ex-spouse as a payor.

If your ex-spouse falls into money problems, loses their job, or even if they simply change their mind, the policy can lapse due to non-payment leaving you unprotected.

Can I Get Life Insurance on my Ex-Spouse Without Them Knowing?

Sometimes, clients will ask us if there is any way that they can purchase life insurance on their ex-spouse without them knowing about it for one reason or another.

You cannot get life insurance on anybody without their consent and insurable interest.

Your ex-spouse must be aware that you’re getting life insurance on them, and they must consent to the underwriting of their health by signing paperwork on the application and policy.

Depending on the reason for your divorce, you have to decide is life insurance worth having on your ex-spouse.

If your ex-spouse owes you child support or alimony, it is certainly worth considering.

Sometimes, ex-spouses may not object to the concept of life insurance, but don’t have the time or desire to go through the underwriting.

We suggest that you make the process as easy for your ex-spouse as possible to help secure their consent.

The best no-exam life insurance companies have a quick and non-invasive underwriting process that avoids the hassle of a medical exam.

Another objection that ex-spouses usually give is that life insurance is a waste of their money, especially if they are healthy and unlikely to die in the next ten years.

We usually suggest a return-of-premium or cash value life insurance option to overcome this particular objection.

Once the agreed duration of life insurance is over, your ex-spouse can surrender their life insurance policy for the cash value, which may have a modest return at that point.

If your ex-spouse decides they want to keep the policy, they can always switch the beneficiary at that point as well.

It is a solution that gives them options.

Finally, your ex-spouse may object to you getting the life insurance death benefit if it is supposed to go to your children.

Rather than list yourself as a beneficiary, you could list your children as beneficiaries directly.

However, if your children are minors when the death benefit is triggered, that could present certain challenges to them receiving the money.

Even if they are adults, getting a large sum of money at a young age can be difficult to manage, and even hurtful in some cases.

Another solution is to establish a trust as the beneficiary for the benefit of your children.

The trust will ensure that the money is managed and distributed in a responsible manner and should address your ex-spouse’s concerns about the funds not going towards your children.

What if my Ex-Spouse is Gets Declined for Life Insurance?

Life insurance is something that you need to qualify for based on your health and your lifestyle.

If your ex-spouse cannot get life insurance due to a pre-existing condition, there are other options available.

Accidental death insurance doesn’t have any health underwriting whatsoever and will protect you from accidental deaths, for example, a car accident.

Deaths that aren’t deemed an accident are not covered by accidental death insurance, so life insurance is ideal.

However, if your ex-spouse cannot afford or qualify for life insurance due to their medical history, accidental death insurance is the next best thing.

Final Thoughts

You can get a life insurance policy on ex-spouse, but you must establish an insurable interest in their life and secure their consent first.

If there is a divorce decree mandating by law that your ex-spouse gets life insurance to protect your children or alimony payments, you have a greater level of protection than if this is a hand-shake agreement.

If the court did not mandate the policy in a divorce decree, we’d suggest owning and paying your ex-spouse’s life insurance to ensure that the beneficiaries aren’t altered and the policy doesn’t lapse due to non-payment.

Additionally, we’d also suggest making the underwriting process as simple for your ex-spouse as possible to improve the odds that they will consent and actually do it.

You can see how inexpensive no-exam life insurance is by using our free rate comparison tool.

A $500,000 no-exam life insurance policy is shockingly inexpensive, especially if you are young and in good health.