Whats My Duty Here??

[WinoBlues]

Hopefully we would hate to turn a blind eye to someone getting screwed.

I have made the error of sending paperwork to the original address.

 

[nfl72]

I didnt read the whole post. Is she hot!

 

[TDFnCali]

Ut Oh,

Cali is a Comm Property state....any change of beneficiary has to have a spousal signature! This lady is perhaps screwed, which means she could possible cancel (depending on how bad she hates the hubby). WoW, thats a $70+/mo premium....now what do I do??


HELP!!

No one answered this question tho for me?? What do I do now?

 

[coloradoseniormarket]

Does there need a consent on an original application or just a change. If the kid is in town rewrite the policy with them the owner and beneficiary mom pays the premium.

The abuse thing is a pretty sensitive issue - I would tell her there are programs that can help her that are confidential.

 

[TDFnCali]

Does there need a consent on an original application or just a change. If the kid is in town rewrite the policy with them the owner and beneficiary mom pays the premium.

The abuse thing is a pretty sensitive issue - I would tell her there are programs that can help her that are confidential.

I was thinking of telling her that....but getting her without hubby around maybe difficult! Plus son doesnt live with them, so he would have to be there too....Im not sure what to do.

 

[xrac]

Change the bene as per the client's request...then stay the hell out of it, it's none of your business!

I agree! You are an insurance salesman. If you get in this mix at best you could lose the sale and much worse could occur.

 

[TDFnCali]

I agree! You are an insurance salesman. If you get in this mix at best you could lose the sale and much worse could occur.

Im no longer considering that route...just want to get her a change of bene & be done with it. Problem is, in Calif, change of bene requires hubby's consent. So it sounds like i may lose it anyway if I cant figure out a way to put her son on it!

 

[b61mack]

Most likely, she will say honey sign here, he won't read it.

 

[STIBROKER]

Im no longer considering that route...just want to get her a change of bene & be done with it. Problem is, in Calif, change of bene requires hubby's consent. So it sounds like i may lose it anyway if I cant figure out a way to put her son on it!

suggest that it be split between the husband and son...btw...what face amount are we talking about.......and you could always suggest that she take out a separate policy naming the son and bypass the husband....now you have 2 sales.....

I agree! You are an insurance salesman. If you get in this mix at best you could lose the sale and much worse could occur.

yea...that worked out really good for Glen.....
Agent Arrested and Convicted for Selling an Annuity.






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really.....that is why I like online app's.....

I was thinking of telling her that....but getting her without hubby around maybe difficult! Plus son doesnt live with them, so he would have to be there too....Im not sure what to do.

 

[GoCubsGo]

Most likely, she will say honey sign here, he won't read it.

Or sign it for him and not let him know.. They seem dysfunctional enough to do it.