Can my husband take out a life insurance policy on his 17yr old brother w/o his mom knowing?Brother is in coma

Question

My husbands little brother, who turned seventeen in December has been in a coma since July 2, 2007- he was hit by a car while riding his bicycle. My husbands mother is possibly going to loose her rights as a parent becaues the hospital and others do not see her as a fit parent. Nothing can be done for this guy at this point- he is in hospice care- and if she looses her rights there is no one else to take care of him except my husband. But he would rather take full responsibility over him than see him go to the state or worse. What info do you need to do this process, and who would we go see- or what type of lawyer to get custody of him?

Answer 1

If this is his biggest concern with his brother....just think how he would be like with you if you ever has a similar problem. Nothing like making a buck of the death of your family. Be sure to have him research  how much he can make off the body parts!

Answer 2

I'm confused!  What does getting a life insurance policy have to do with your husband wanting custody of his brother if his mother loses her rights.  Why does everyone consider her an unfit mother anyway?

Answer 3

if he's been in a coma for almost  a year, if he ever wakes up he'll most likely be a vegetable. Why are you making him suffer?

Answer 4

No life insurance company is going to sell you a policy on someone that has been in a coma that long. As for getting custody, consult a lawyer.

Answer 5

I doubt any insurance company will cover somebody so ill. They demand a full medical.

I would go to a family lawyer as this is a custody issue. Good luck.

EDIT: you want custody so you can switch his machine off so your husband won't have to look after him?!?!?!?! Jesus!!!! (and that's a prayer, not a blaspheme). Your husband would rather his little brother had his machine switched off than be under the care of the state "or worse" (and what could be worse than being dead)?

I think there is an issue here in that you want little brother clinically dead cos it would be easier for you and perhaps easier for your husband. However your husband doesn't want to let go. You don't want a lifetime of responsibility for this kid, and you don't want to have to deal with your crazy mother-in-law any more.

I think you are very stressed and looking for a way out; however I am pretty sure this isn't it.  " I would want to be able to make a good decision for him legally, you know". NOT YOUR DECISION TO MAKE.

  Only the boy's family can make the decision to switch the machine off, and you ain't family, you just married his brother.

The boy may come round yet, people do after much longer periods of time. And who says his life won't be worth anything if he does? That's not your decision, or anybody's decision for that matter. Are you saying all people seriously disabled like this should have just died? Or just ones you might have to make allowances for.

Answer 6

OK, a couple of comments here, first of all NO, he can't legally take out a policy if he's not the legal guardian of the brother.

Also, no life insurance company is going to give any odds for someone in a coma - a $10,000 policy is going to cost $11,000, paid up front.   Pretty pointless, from most people's point of view.  And if he lies about the coma, and forges his mother's signature,  if/when the claim comes about, the insurance company will find out (assuming he doesn't live two more years) and not only deny the claim, but prosecute for fraud.

IF she loses her rights, he can petition the court to get rights.  In which case, he needs a lawyer, not yahoos.

Answer 7

Insurance doesn't work this way, you buy it based on the possibility that something awful could happen. It just astounds me that so many people on here think they should be able to buy insurance after the fact. Does everyone think those of us who have insurance just like paying out the wazoo every month in case we wreck our car, our house burns down, we get injured, or God forbid, we get killed? We have insurance because of the chance that any of these things could happen and we don't want our loved ones to be left behind with bills that they could never pay.

Insurance is not designed to be "after the fact". So many people on here say "I'm pregnant, can I get on insurance now?" or "My car's been wrecked, can I get auto insurance now?" The answer is no, I can't imagine any life insurance agency taking your brother-in-law after he's been in an accident, been in a coma for almost a year, and you yourself say there's nothing more that can be done. I know none of us want to think about buying life insurance on our children, but imo, its a must. We have it on ourselves and our 2 young daughters, if nothing more than I don't want to have to go back to work after the death of one of my children because I can't pay the bills and we would lose everything we owned. If something like this did ever happen, I would want to go back to work when I was ready or because I wanted to to get my mind off what happened. Not because we were broke after paying for the funeral.

Answer 8

If your brother wants legal custody, from what you have said about the mother, he stands a good chance of getting it--but he will need to get an attorney and go to court to do it.

Answer 9

He is in hospice care -- in a coma.

No insurance company is going to put a life insurance policy on him.

You can't lie about the brothers condition. If you do - the policy will be voided when he dies and the company finds out you lied.

You will have to fully disclose the brothers condition and many life insurance companies do a physical.

If you are thinking that you need the policy to pay for funeral expenses --- you can contact w funeral home and set up a pre-payment plan. Most funeral homes have these type of programs.