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Bizarre...but true...
I received this email late last week:
The ex-wife is the client not -the husband -and your duty is to her and she needs to speak directly with you. If the husband wants to talk to you to get an idea of what is out and about for policies so that he can know what his options might be, since he has to pay for it, then I suppose there is room for that but you can't be colluding with him to provide inferior coverage and at the same time working in the best interests of the client. I assume that the court order orders him to pay for her reasonable health insurance coverage costs rather than ordering him to be a policy owner for her which would be bizarre. If he is not the policy owner and only a reimburser then she is the client and the duty is to her best interests and full disclosure to her.
As I mentioned, I dont think it is inappropriate for him to be asking and learning about what the options are to minimally meet his court ordered requirement. The poor bastard may not even be able to afford coverage for himself after the divorce so I dont bring any judgement to him or for his anger but that is why she needs to be attended to by someone on her side. It is all a matter of intent. If you sell her a policy that leaves a gap in an area where she thinks she is covered or entitled to more it will be no defense to say that the hubster didnt want that. In fact, that will hang you because it shows that you were taking orders from him. Be careful.
My view anyway.
Winter
