What You Should Do 关于 保险 Following a Divorce
Divorce can be an emotionally and financially challenging life event. In the face of the many possible adjustments divorce entails, making changes to insurance coverage may be overlooked.
下面我们来看看每种类型的保险:
汽车
如果汽车所有权发生变化, you may need to obtain car insurance coverage to coincide with that change. You also may want to think about removing your former spouse from a policy to protect yourself against potential liability and ensure that his or her name does not appear on any claim check. Don't forget to notify the insurance company of any address change.
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A divorce may mean a new place of residence for one or both spouses. Consider purchasing renter's insurance if you are moving into a new apartment. 如果你还住在你现在的家里, you may want to remove your ex-spouse's name from the policy and consider changes to any property coverage if, 例如, your former spouse is taking jewelry or other items of value from the premises.
生活
生活 insurance is often purchased to cover financial obligations that may occur when a spouse passes away. 生活 insurance policies may be an element of your divorce agreement. 如果可能的话, consider buying a policy on a former spouse's life if he or she is providing alimony or child support.1
如果你保留了既存保险, be sure to review and amend the beneficiary so that it reflects your current wishes.
残疾
A disability may have an adverse impact on the ability of a former spouse to pay alimony or child support. As such, you may want to include the maintenance of such a policy in the divorce agreement.2
健康
If you or your children are covered under your former spouse's employer group plan, you may want to contact the employer to continue coverage under COBRA (Consolidated Omnibus Budget Reconciliation Act). If you have an individual policy, you may want to consider adding your children to the policy. You may not want to duplicate coverage for your children.
1. Several factors will affect the cost and availability of life insurance, 包括年龄, 健康, and the type and amount of insurance purchased. 生活 insurance policies have expenses, including mortality and other charges. 如果保单过早放弃, the policyholder also may pay surrender charges and have income tax implications. You should consider determining whether you are insurable before implementing a strategy involving life insurance. Any guarantees associated with a policy are dependent on the ability of the issuing insurance company to continue making claim payments.
2. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Federal and state laws and regulations are subject to change, which may have an impact on after-tax investment returns. 请咨询法律或税务专业人士 for specific information regarding your individual situation
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 for specific information regarding your individual situation. This material was developed and produced by 手机赌博软件下载 to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. 所表达的意见和 所提供的资料仅供一般参考, and should not be considered a solicitation for the purchase or 出售任何证券. 版权 手机赌博软件下载.
