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Yes, it should be possible to get a life insurance policy on your ex-husband, but it will require his consent.

Since your ex-husband pays child support for your daughters, you have an insurable interest in him, which is what allows you to take out a life insurance policy on him with you as the beneficiary.

You can’t keep the policy a secret from your daughter’s father since he will need to consent to medical records being released, a medical exam for the life insurance provider and sign papers.

It’s difficult to take a secret life insurance policy out on someone. If your ex-husband dislikes the idea of you being the beneficiary of a life insurance policy on him, you could look into setting up a trust as the beneficiary rather than yourself. That way, the money goes into a trust for their benefit, although you could still be the executor of the trust.

Here’s more on life insurance trusts for child beneficiaries.

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Penny Gusner


Penny is an expert on insurance procedures, rates, policies and claims. She has extensive knowledge of all major insurance lines -- auto, homeowners, life and health insurance. She has been answering consumers’ questions as an analyst for more than 15 years and has been featured in numerous major media outlets, including the Washington Post and Kiplinger’s.