How do I put life insurance on my childs father?

I’m wanting to put life insurance on my son’s father. He is my beneficiary and I just feel that it is necessary for us to have this! Ive been searching the internet and I cant seem to find what I’m looking for. Does anyone have a suggestion on which company I should use or how I need to go about this… I got my insurance through my job so I really don’t know how to go about getting life insurance on someone else!
10 months ago

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  mbrcatz 4:44 pm on October 21, 2010 Permalink
  

  You can’t buy real insurance on the internet – there’s going to have to be an application, paramedical exam, etc.

  You should contact a local, independent agent who can get you multiple quotes in your area, who is licensed in your state.

  Also, I wouldn’t rely on that insurance through your employer, if you’re looking to provide for your child – it’s under the employer’s control, and they can cancel it at any time. Not to mention, once you LEAVE that job, it’s gone.

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  The Nonn 4:44 pm on October 21, 2010 Permalink
  

  If your son’s father works full time then his company may have life insurance available to him. Have you checked this? I’m certainly not the last word in insurance, but I wonder if you’d be able to purchase insurance on another person. It just seems like you’d have to have him take out the policy.

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  WilliamM 4:44 pm on October 21, 2010 Permalink
  

  The father would have to be present for any swab test or questions. Are you going to pay the premium or is he? Doesn’t matter, just something you should work out together. There are plenty of life insurance companies out there and surfing the internet will only bog you down with the overwhelming abundance or companies. I assume you have either auto or home insurance, or both. I hope you have an agent for those policies. Go to him/her. This really is not a difficult task to accomplish if both parties are in agreement and can be present at the same time. Find someone you trust if you don’t trust you agent now, and start the questioning process. Life insurance is by far the most important insurance one can get, far more important than auto or home. There are so many life insurance plans out there that you will probably easily find one that fits your needs and is affordable if the agent knows what they are doing. If you happen to live in TX, I would be more than happy to steer you in the right direction utilizing my connections.
  Relax, this is not a daunting task. Good luck and peace to you and your son.

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  Caveat Emptor 4:44 pm on October 21, 2010 Permalink
  

  You cannot do so without his permission and cooperation.

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