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Divorce/Separation Post Reply     Print Topic    
User Topic: Just cancelled a policy I didn't know about
ChoosingHope
♀ Member
Member # 33606
Default  Posted: 2:06 PM, October 16th (Wednesday), 2013View ProfileEdit MessagePrivate MessageHomepage

(((haysuth01)))


Posts: 1634 | Registered: Oct 2011
Nature_Girl
♀ Member
Member # 32554
Default  Posted: 3:13 PM, October 16th (Wednesday), 2013View ProfileEdit MessagePrivate MessageHomepage

I've requested the company send me a copy of the form with my signature starting the policy. It should arrive in 10-15 business days.

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?


Me = BS (Stay-at-home-mom)
Him = EX-d out (abusive troglodyte NPD SA)
3 tween-aged kids
Together 20 years
D-Day: Memorial Weekend 2011
2013 - I DIVORCED HIM, I'M FREE!
http://www.youtube.com/watch?v=RBOJpIwF47Y

Posts: 9461 | Registered: Jun 2011 | From: USA
PhoenixRising88
♀ Member
Member # 35214
Default  Posted: 3:31 PM, October 16th (Wednesday), 2013View ProfileEdit MessagePrivate MessageHomepage

Gently to all - I know a bit about this because I had to study like hell on this stuff to get my insurance license...

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.


Me: BS (43)Him: EX, aka "The Dink"(50)
D-Day#1 12/22/11. D-Day#2 5/23/2013.

Divorce final 2/10/14.

Throw me to the wolves and I'll return leading the pack.


Posts: 426 | Registered: Apr 2012 | From: North Texas
7yrsflushed
♂ Member
Member # 32258
Default  Posted: 3:42 PM, October 16th (Wednesday), 2013View ProfileEdit MessagePrivate MessageHomepage

^^^But the payments were coming out of her account. She HAD to give them permission to draft the payments from her account. If they have nothing proving she gave permission to draft the money from her account then she can at least file a complaint with the BBB and open an investigation. If it was joint account or they have her signature for the payments to be drafted maybe she has no case.

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)]


D-day 5/24/11
BH = Me
2 children
The first true sense of calm I felt in YEARS was when I filed for D...
D hopefully official any day now, off to check the mail again.

Posts: 1876 | Registered: May 2011 | From: VA
PhoenixRising88
♀ Member
Member # 35214
Default  Posted: 3:50 PM, October 16th (Wednesday), 2013View ProfileEdit MessagePrivate MessageHomepage

It does happen, for sure, 7years. Some agents just flat don't give a damn about staying within the rules. All they care about is making commission.

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.


Me: BS (43)Him: EX, aka "The Dink"(50)
D-Day#1 12/22/11. D-Day#2 5/23/2013.

Divorce final 2/10/14.

Throw me to the wolves and I'll return leading the pack.


Posts: 426 | Registered: Apr 2012 | From: North Texas
Nature_Girl
♀ Member
Member # 32554
Default  Posted: 3:53 PM, October 16th (Wednesday), 2013View ProfileEdit MessagePrivate MessageHomepage

Total paid is, I believe, under $1,000.

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?


Me = BS (Stay-at-home-mom)
Him = EX-d out (abusive troglodyte NPD SA)
3 tween-aged kids
Together 20 years
D-Day: Memorial Weekend 2011
2013 - I DIVORCED HIM, I'M FREE!
http://www.youtube.com/watch?v=RBOJpIwF47Y

Posts: 9461 | Registered: Jun 2011 | From: USA
nowiknow23
♀ Guide
Member # 33226
Default  Posted: 4:09 PM, October 16th (Wednesday), 2013View ProfileEdit MessagePrivate MessageHomepage

Depends on what you want to do, NG. Assuming there's been a forgery of your signature, I would start with the insurance company's fraud department, report the forgery, and request the return of your premiums. If you don't get satisfaction from them, contact your state's insurance commissioner to discuss filing a complaint.


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.


You can call me NIK

"Sometimes it takes a good fall to know where you really stand."
-Hayley Williams


Posts: 24748 | Registered: Aug 2011
Gr8Lady
♀ Member
Member # 36307
Default  Posted: 11:51 PM, October 16th (Wednesday), 2013View ProfileEdit MessagePrivate MessageHomepage

Nature Girl

You have taken your power back!
Good for you. Glad to cancelled that policy....scary thought.


BS: Me (63yo)
FWH: HIM (65yo) serial infidelities over past 35 years
OW: Many, most recent 1/2 his age
DD: Multiple unconfirmed until 2012 when I presented evidence, plus LTA with his friends wife lasting 10 years. TT over past year
So done,

Posts: 607 | Registered: Jul 2012
Topic Posts: 28
Pages: 1 · 2

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