{"id":7460,"date":"2019-02-04T20:36:55","date_gmt":"2019-02-04T20:36:55","guid":{"rendered":"https:\/\/lifequote.com\/?p=7460"},"modified":"2022-06-24T21:43:00","modified_gmt":"2022-06-24T21:43:00","slug":"life-insurance-beneficiary-rules","status":"publish","type":"post","link":"https:\/\/lifequote.com\/v2\/life-insurance-beneficiary-rules\/","title":{"rendered":"Life Insurance Beneficiary Rules for Spouse"},"content":{"rendered":"<p>In simple terms, a life insurance beneficiary is a person who is entitled to receive the death benefit. There is no hard and fast rule that only your spouse or children can be named as your life insurance beneficiaries. There is always a possibility to make changes if life throws a situation. Life insurance is a contract, and like all contracts, it has some rules that are to be followed.<\/p>\n<div class=\"AW-Form-216343401\"><\/div>\n<p><script type=\"text\/javascript\">(function(d, s, id) {\n    var js, fjs = d.getElementsByTagName(s)[0];\n    if (d.getElementById(id)) return;\n    js = d.createElement(s); js.id = id;\n    js.src = \"\/\/forms.aweber.com\/form\/01\/216343401.js\";\n    fjs.parentNode.insertBefore(js, fjs);\n    }(document, \"script\", \"aweber-wjs-18lt863vi\"));\n<\/script><\/p>\n<h2>Is Your Spouse Legally Entitled to Your Insurance Money?<\/h2>\n<p>So, here\u2019s the question: is a husband or wife automatically entitled to be the beneficiary of your life insurance policy? Essentially, do they have a legal right to your money just by virtue of being your spouse? The question comes up from time to time so we wanted to break it down with the answers and specifics as to why.<\/p>\n<h2>The Insurance Policy is a Legal Contract<\/h2>\n<p>Let\u2019s begin with what an insurance policy actually is. It is a legal and binding contract between the policyholder and the insurer who agrees to honor the terms of that agreement and pay the proceeds to the named beneficiary in the policy upon the insured\u2019s death. That is the insurance company\u2019s only legal obligation, the insured person\u2019s marital status notwithstanding. The carrier has no say in your beneficiary selection or moral judgment in agreeing to someday pay that person your insurance payout after your death.<\/p>\n<h2>Are Marriage Financial Protections Equal to Insurance Rights?<\/h2>\n<p>Marriage is also a legal contract between two people. It gives spouses many rights and protections, some of which vary from state to state. But for the most part, a husband or wife has legal rights to marital assets, and in some states such as California, marital property is divided equally 50\/50 if you divorce. In Florida, it\u2019s not split down the middle but provides couples the right of Equitable Distribution. Same-sex marriages are afforded the same state and federal protections since it became the law of the land in 2015. You would think that a spouse would have an automatic right to your insurance money just by virtue of being married. But that is not necessarily the case. While that husband or wife agrees to honor the marriage bond, he\/she is not legally entitled to be your life insurance primary beneficiary, or has any legal claim to the insurance money, in most states, that is. Yes, the state you live in does matter.<\/p>\n<div class=\"tct_blurbs_container\">\n<div class=\"tct_blurb_blue\">\n<div class=\"tct_blurb_title\">Need a Free Life Insurance Quote?<\/div>\n<div class=\"tct_blurb_content\">You are a few minutes away from prices our competitors cannot beat<br \/>\n<a class=\"tct_blurb_button\" role=\"button\" href=\"\/instant-life-insurance-quotes\/\">Get a Free Quote<\/a><\/div>\n<\/div>\n<div class=\"tct_blurb_green\">\n<div class=\"tct_blurb_title\">How Much Life Insurance You Need?<\/div>\n<div class=\"tct_blurb_content\">Find out how much coverage you need with our life insurance calculator<br \/>\n<a class=\"tct_blurb_button\" role=\"button\" href=\"\/life-insurance-needs-calculator\/\">Calculate Your Needs<\/a><\/div>\n<\/div>\n<\/div>\n<p>Why? Because there are exceptions in the Community Property States where a spouse is legally entitled to 50% of the life insurance proceeds even if he\/she is not a named beneficiary in the policy. As long as the insurance premiums are paid for with joint marital assets, the spouse has legal standing to claim half of the insurance payout when the policyholder\/spouse dies. We\u2019ll provide a list of the nine \u201cCommunity Property Law\u201d states below, and incidentally, California is one of them.<\/p>\n<p><strong>&gt;&gt; Read <a href=\"\/life-insurance-and-divorce\/changing-beneficiaries-during-divorce\/\">change of beneficiary during divorce<\/a><\/strong><\/p>\n<h2>Why Not Always Name Your Spouse As Your Life Insurance Beneficiary?<\/h2>\n<p>It\u2019s worth repeating that a policy owner&#8212; who also pays the policy premiums&#8211; has every right to choose whomever they want as their life insurance beneficiary. It would seem counterintuitive to designate someone other than a spouse but you never know. It is not uncommon that the insured keeps separate policies to benefit different people. For instance, a policy that names a new wife, and another one that names an ex-spouse as required by a court-ordered alimony or child support responsibility. We have heard from clients who listed a sibling, or even a girlfriend or boyfriend on a policy and excluded the spouse or listed the spouse as the <a href=\"\/latest-posts\/naming-contingent-beneficiary\/\" target=\"_blank\" rel=\"noopener noreferrer\">Contingent or Secondary Beneficiary<\/a>. The latter means they\u2019re second in line to receive the insurance payout only if the Primary Beneficiary were to pre-decease the insured. These are all tricky scenarios that we steer clear of and defer to the policyholder\u2019s wishes.<\/p>\n<h2>Those Community Property States That Provide Marital Asset Equality<\/h2>\n<p>Simply put, the following <a href=\"https:\/\/en.wikipedia.org\/wiki\/Community_property\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">states<\/a>\u00a0consider that both spouses have shared and equal rights to all assets earned during their marriage. If the couple\u2019s money was used to buy property, it will be split 50\/50. The benefit from a life insurance policy would also be included under these privileges and distribute the surviving spouse half of the insurance money, divided equally with any named beneficiary. The only exception to this would be if the spouse agreed to sign a form waiving rights to the money. (Good luck with that). If you live in one of the following states of the union that offer these special community property rights under State law you should discuss this with your tax advisor or accountant:<\/p>\n<ul>\n<li>Arizona<\/li>\n<li>California<\/li>\n<li>Idaho<\/li>\n<li>Louisiana<\/li>\n<li>Nevada<\/li>\n<li>New Mexico<\/li>\n<li>Texas<\/li>\n<li>Washington<\/li>\n<li>Wisconsin<\/li>\n<\/ul>\n<h2>Life Insurance Death Benefits Are Tax-Free To the Right Beneficiary<\/h2>\n<p>It is worth explaining that your <a href=\"\/guide\/life-insurance-beneficiary-designation\/\">life insurance beneficiary designation<\/a> is important for more reasons than showing love. If you want your loved ones to benefit from the financial legacy you leave them, don\u2019t squander the proceeds by making it taxable. Financial experts will advise you to keep it out of the probate process and name your heirs directly in the policy because life insurance proceeds receive federal income-<a href=\"\/about-life-insurance\/life-insurance-can-avoid-taxes\/\">tax free benefits<\/a> when paid to a person.<\/p>\n<p>It is not recommended that you name a minor child as a life insurance beneficiary because insurers will not pay them directly. Unless you have a trust with a named legal guardian, transferring that <a href=\"\/life-insurance-101\/life-insurance-payout-and-beneficiary\/\">life insurance payout<\/a> to the kids until they turn 18 or 21 (varies by state), the court will appoint one and that is not ideal. The child\u2019s parent or another responsible adult would be a better life insurance beneficiary choice. Depending on the structure of a trust, the insurance money could be considered part of the deceased\u2019s estate and treated as taxable income. Financial advisers will caution you not to name an insurance policy as \u201cpayable to my estate\u201d as the beneficiary.<\/p>\n<p>If you wish to know more about life insurance beneficiary rules, give us a call at 1-800-521-7873. Our professionals will be very happy to help you out.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In simple terms, a life insurance beneficiary is a person who is entitled to receive the death benefit. There is no hard and fast rule that<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":8,"featured_media":10602,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[1],"tags":[],"class_list":["post-7460","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Life Insurance Beneficiary Rules for Spouse<\/title>\n<meta name=\"description\" content=\"Important life insurance beneficiary rules you should know before designating your spouse as your beneficiary. 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