Would it be unwise to ask my husband to drop the life insurance he carries on his ex-wife?

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Would it be unwise to ask my husband to drop the life insurance he carries on his ex-wife?

He is the custodial parent of their son (16) and she has not paid her child support in several years. Husband let her off the hook (officially, via a letter to CS enforcement) and claimed that “I don’t need it.” Yet he maintains a life policy so he can cash in if the ex dies. It reeks of hypocrisy and I’m tempted to ask him to stop paying premiums on a deadbeat. Isn’t life insurance to replace income? Since she provides none of that, then what’s the point?

Asked on December 26, 2012 under Family Law, Georgia

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 8 years ago | Contributor

Whether or not the ex-wife has in fact paid child support, from what you write, she was supposed to--it was income your husband and his child should have had. Also, there are large potential child-related expenses coming up, such as college. Therefore, there is a legitimate reason to keep the insurance on the ex-wife, at least until your husband is no longer finanically responsible for his son, since if the ex-wife should die, the insurance will make up for the support she should have paid but did not, and help out with college and other such expenses (e.g. if instead of going to college, your husband's son wants to start working or start a business--the money could help pay for training, for equipment, etc.).


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