I honestly have no memory of doing signing up for this policy. It was started RIGHT in the middle of my post DDay Limbo Hell, right when STBX & I were at each other's throats all the time, the first payment started/it went into force just two days before his drug-dealing felon OW was to get out of prison...
What do I do if it's not my signature on the form? I mean, most likely it is my signature and I just don't remember. But it's creeping me out that I don't remember.
But if it's not my signature? What do I do?
I don't know about where you are Nature, but here in Texas you most certainly can take out a life insurance policy on someone else - provided that there's a provable familial relationship, i.e. spouse, parent, sibling. The owner of the policy is NOT always the same as the insured on the policy. For example, I am the owner on the policy on each of my children, I am the owner on the policy on me, I am NOT the owner of the policy on H, only a beneficiary. So if he took out a policy on you, listing himself as the owner and you as the insured, here in Texas at least he's done nothing wrong. If, however, you find that YOU are listed as both owner and insured and the signature on the documents is not your signature? NOW we have insurance fraud. And we also have an agent that did not perform due diligence and needs to lose his/her license. Would also caution you that typically only the owner of the policy can make changes to the policy.
Divorce final 2/10/14.
Throw me to the wolves and I'll return leading the pack.
I am no lawyer just trying to help out and had an experience with an agent that sold an elderly family member a policy over the phone when they clearly were older than the parameters for the policy. We had to file a complaint with the company and document everything then go the BBB and file a complaint in the state the company was incorporated to do business. We eventually were refunded some of the money because they had nothing on file saying our relative had actually signed anything.
ETA: depending on how much money it was and Nature's tolerance for asking questions, tracking stuff down, and documenting discussions with the company it can't hurt to at least ask the questions. If it causes more stress than it's worth let it go.
[This message edited by 7yrsflushed at 3:47 PM, October 16th (Wednesday)]
My best suggestion would be to very carefully review what she gets sent to her from the ins. company. Most are stand-up and won't risk losing their ability to operate in a state over a matter such as fraud.
I just need to know. As I've shared here repeatedly, STBX led a double life. I am still uncovering aspects of his hidden life & perversions just a few weeks ago. I'm still trying to figure out the truth of my life. Trying to figure out what is real. Heck, I'm trying to figure out what IS.
So I'm fine with asking questions. It's just a phone call, just a few questions, just a little bit of time out of my day. I need to know the truth of my life so I can move forward. Considering the extreme ways in which I have been deceived, I value truth and facts highly. Knowledge is power. Knowledge is control. I need to control my life again.
So what do I do if the signature isn't mine?
If you want to pursue charges against your ex (again - assuming your signature has been forged), I would contact the police to report the forgery.
"Ring the bells that still can ring
Forget your perfect offering
There is a crack in everything
That's how the light gets in." -Cohen
You have taken your power back!
Good for you. Glad to cancelled that policy....scary thought.