Oklahoma Nesties
drillerswife
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Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
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Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Do your ILs have life insurance on DH?
A friend and I were talking the other day and she mentioned that her IL's have a life insurance policy on her DH. This is odd to me....I guess I just never thought of this being a possibility.
Do your IL's have a policy on your DH/SO? Do your parents have a policy for you?
Re: Do your ILs have life insurance on DH?
No, neither of them do to my knowledge.
I know that since B was born, Gerber has been sending me things asking if I want life Insurance on him. (Maybe they're offering whole life as a savings plan option? Who knows, I always throw them away). I guess I could see someone getting insurance on their child if they were concerned that if something were to happen, they'd need money for funeral or medical expenses...but that would really be the only reason why I'd think of needing it on a child.
A grown adult's parents having insurance on them? That's strange to me. If anyone should get a benefit after the death of their spouse, it should be the wife and/or children of the deceased. It's not like the parents would be responsible for any of their child's debts or funeral expenses after they were married and had a family...so I don't really understand why they'd have it on their son.
If I found out MIL or FIL had a policy on H, I would be concerned.
My Il's do not have a policy to my knowledge nor do my parents have one on me. I too would be concerened if my preants or C's parents had a policy on either one of us because they are not the ones to be held repsonsible for our debt or funeral bills if something does happen.
C and I have them on ourselves so that we will be covered if something happened to either one of us and if something happens to both of us the money goes to my MIL.
When I was born, my grandpa bought a $10,000 policy on me. I don't know if that is still around..? If so, then yes. I guess they have that. But that's it, at least to my knowledge.
I don't think DH's family has life insurance on themselves, let alone him.
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My parents have a policy on me. I have no idea if DH's parents have a policy on him.
We have policies on one another and want to get one for SD but we are scared to ask BM about that.
I do not think it is strange my parents have a policy on me. They took it out when I was born and it is $3 a month and is still the same price. If you have kids, I would highly recommend taking out a policy on them - the younger they are, the cheaper the policy will be and the cost will not change. I think my parent's policy is $1mm or something like that. The way my husband drives they will probably be able to cash it in LOL.
Dh's parents have one on him, which I find a little weird, but 1., their best friend is a life insurance agent and 2., they've had it since he was born. So, that mitigates the weirdness in my opinion.
It's one of those deals where it's only like $60/year and would pay out just enough for funeral expenses. They've paid on it for 33 years, so I don't think they have any intention of stopping any time soon.
Hm, that makes sense. But if it's term wouldn't it expire after 30 years? I have a small policy on DS but I don't think I'll renew it when he's grown.
Do they make kids go through the medical exam to get a policy? If it were for a substantial amount of money, I would think they'd want to check them out like they would an adult.
It expires when I turn 60.
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Estimated Due Date 11/13/12 | Natural Miscarriage 4/17/12
Well, we have to produce a copy of her birth certificate which we have never received for one thing.
Couldn't you get a certified copy from the State Health Department? I've had to do that for DH a couple times.
Kaylee & Cole 06.14.08
8/6/11 First 5k! OG&E Expo Run 34:47
9/3/11 Brookhaven Run 5k 34:18
9/17/11 Healthy Sooners Fun Run 5k 33:38
10/15/11 Susan G. Komen Race for the Cure 33:31
10/29/11 Monster Dash 5k 32:06 PR!
11/11/11 Veteran's Day Run 11k in Dallas 1:13:15 Instant PR!
1/28/12 Texas Half Marathon 2:38:03 Instant PR!
3/25/12 Earlywine Dash
That's a good point - I will ask DH to do that - I am from Kansas and you have to (or had to) appear in person to obtain a copy of a birth certificate. I assumed it was the same here. It kind of scares me that it isn't, actually.
EDIT: Okay, talked to DH - he isn't listed on the birth certificate which is why we can't request a copy. Considering the drama this caused a few years ago, you'd think that I would have remembered that but I am desperately pushing all the negative crap into my "delete this memory" file.
I think you can also get a certified copy by mail. Here's the website with info: http://www.ok.gov/health/Birth_and_Death_Certificates/Birth_Certificates/index.html
Kaylee & Cole 06.14.08
8/6/11 First 5k! OG&E Expo Run 34:47
9/3/11 Brookhaven Run 5k 34:18
9/17/11 Healthy Sooners Fun Run 5k 33:38
10/15/11 Susan G. Komen Race for the Cure 33:31
10/29/11 Monster Dash 5k 32:06 PR!
11/11/11 Veteran's Day Run 11k in Dallas 1:13:15 Instant PR!
1/28/12 Texas Half Marathon 2:38:03 Instant PR!
3/25/12 Earlywine Dash
DH isn't listed as the father. For us to get a copy, we would need BM's permission.
Bummer, that sucks!
Kaylee & Cole 06.14.08
8/6/11 First 5k! OG&E Expo Run 34:47
9/3/11 Brookhaven Run 5k 34:18
9/17/11 Healthy Sooners Fun Run 5k 33:38
10/15/11 Susan G. Komen Race for the Cure 33:31
10/29/11 Monster Dash 5k 32:06 PR!
11/11/11 Veteran's Day Run 11k in Dallas 1:13:15 Instant PR!
1/28/12 Texas Half Marathon 2:38:03 Instant PR!
3/25/12 Earlywine Dash
I don't think my ILs do, but I wouldn't be very happy if they did.
My parents definitely don't on me. They barely do for themselves.
As far as I know, none of out parents have a life insurance policy for H or me. I do have a policy through work equal to one year salary that my company pays for, but other than that we don't carry any life insurance.
I've always thought of life insurance primarily as a replacement income in case something happens to an earner in the family. Do many people take them out to cover funeral costs instead?
H's mom didn't have life insurance on him and my parents don't on me. I don't think I'd care if MIL did have a policy on H, but I'd find it odd.
We had life insurance on H to replace his income and on me to replace my mom's income so if I died H could pay her to take care of our kids.
I think people frequenty do take out life insurance to cover funeral expenses too though because they are pretty pricey. I guess, if you didn't need your spouses income to live, but didn't want to be out the money for the funeral, you would just need enough to pay for that. If we had life insurance on our kids it would just be enough to cover funeral expenses since they don't contribute financially to our household.