Excelsior! Academy Posted January 31, 2017 Share Posted January 31, 2017 (edited) deleted Edited January 31, 2017 by Excelsior! Academy Quote Link to comment Share on other sites More sharing options...
zoobie Posted January 31, 2017 Share Posted January 31, 2017 It depends on your state law. Some have strict guidelines on who can take out policies on minors. Quote Link to comment Share on other sites More sharing options...
CadenceSophia Posted January 31, 2017 Share Posted January 31, 2017 Who you can take out insurance policies on varies by state. That does seem creepy sorry :( Quote Link to comment Share on other sites More sharing options...
Carol in Cal. Posted January 31, 2017 Share Posted January 31, 2017 I'd call the state insurance department and ask them those questions. Quote Link to comment Share on other sites More sharing options...
Guest Posted January 31, 2017 Share Posted January 31, 2017 I don't have very good antennae on these sorts of things, so please forgive me if I'm completely off base here. WHY did he have insurance? My parents took out insurance for us when we were born in part as a savings account--we got the increased value and used it for our education at age 18 or so. Had one of us died, the insurance would have covered our burial costs, relieving my parents from a sudden and unsustainable expense. Given the number of "GoFundMe"s I have received requesting help at the burial of a child, the insurance seems to be a way of looking out for the birth-family (and maybe for you). But I don't know how this stuff works anymore and I certainly don't know how it works in this situation, or what his intention is. Quote Link to comment Share on other sites More sharing options...
ChocolateReignRemix Posted January 31, 2017 Share Posted January 31, 2017 If he was legally entitled to do so when the policies were purchased, the most likely answer is yes. You probably won't be able to keep him from renewing policies already in effect. It is worth a call to check it out though. 1 Quote Link to comment Share on other sites More sharing options...
Excelsior! Academy Posted January 31, 2017 Author Share Posted January 31, 2017 (edited) Deleted Edited January 31, 2017 by Excelsior! Academy Quote Link to comment Share on other sites More sharing options...
SparklyUnicorn Posted January 31, 2017 Share Posted January 31, 2017 I wouldn't necessarily assume ill intentions. You ever see those ads for the Gerber plans? They advertise to grandparents. They tell them this is a gift and head start for the child's financial future. So he could just have gotten it thinking he was doing something helpful. 4 Quote Link to comment Share on other sites More sharing options...
Scarlett Posted January 31, 2017 Share Posted January 31, 2017 I would ask. Who can know what his motives are. But if you have legally adopted the children he may not have the right to continue a policy on them. 1 Quote Link to comment Share on other sites More sharing options...
ChocolateReignRemix Posted January 31, 2017 Share Posted January 31, 2017 To clarify, what do you mean by "continue" the policies? Quote Link to comment Share on other sites More sharing options...
Guest Posted January 31, 2017 Share Posted January 31, 2017 Patty Joanna, I don't know. It's possible he took out insurance before we began raising them and just continued, however we had them 8 years before adopting. The adoption was finalized December 30. Wow. That's amazing. I am so thankful things are finalized now and the kids can be stable. That said, in those intervening 8 years, the grandfather might have been trying to do something to help, something good...and that was one thing he could think of. In those intervening 8 years, things were still not settled, so it seems to me that it is at least a possibility that he was trying to provide...something. I don't know him or the situation or much of anything about the whole scenario, but unless there is reason to suspect malicious intent by doing this, I would assume that there is a certain amount of goodness in it...and probably a certain amount of heartbreak. I know of three sets of grandparents who have had their hearts broken by their children's screw-ups...through drugs or whatever, they have lost not only their children, but their grandchildren, so I am probably a little over-sensitized to this. :0( Why not call the insurance commissioner and ask what the deal is re: this sort of thing. And maybe it is creepy, but maybe it's not...maybe it's just part of a lot of sadness. Thank God you have been there to stand with and for these children. I don't been to be interfering or talk like I am some expert. I'm just kind of filled with sadness for the broken-hearted of the world. Quote Link to comment Share on other sites More sharing options...
Spryte Posted January 31, 2017 Share Posted January 31, 2017 Can you call your adoption attorney? Your social worker? That's where I would start, as an adoptive parent. That would bother me, too. 2 Quote Link to comment Share on other sites More sharing options...
SereneHome Posted January 31, 2017 Share Posted January 31, 2017 It's probably not the same thing and I don't know your story and situation, but I do know that my IL's took insurance out on our kids when the kids were born.. And they didn't even need kids' SSNs. Quote Link to comment Share on other sites More sharing options...
Excelsior! Academy Posted January 31, 2017 Author Share Posted January 31, 2017 (edited) Thank you for your advice. I am deleting. Edited January 31, 2017 by Excelsior! Academy Quote Link to comment Share on other sites More sharing options...
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