My husband is about to deploy and he wants to know my plans for his life insurance??

Question

First of all I really don't wanna think about it but he asked and I gave him a fague answer. He wants to know if i would give any to his no good brother. I personally feel that as his wife it is my choice. The money is for my well being and that of his estate, not his brothers estate. Plus i will have funeral cost as well. and I just feel that I will be going thru alot more than his brother. His brother desn't talk to him except fpor when he needs something and on my husbands last two leaves his brother has not taken the time to hang out with his little brother. they are all each other has because both of thier parents died of cancer while they were both young. any way what do you think?

Answer 1

To heck with his brother, and take care of your family if the time does come, and I pray for you it doesn't, but make all the financial decisions now, and not when your in a bad state of mind. Get a large life insurace policy out on him, and see if your house could be paid off with it, or at least six months worth, then make sure your cars are in good standing like your home if youre making payments, and a will is drawn out, you do what you need to do now, so when the time comes you will be ok, if you ask your bank they have life insurance too, get more than one policy if you can, take care and God Bless. Tell your husband thank you for his service.

Answer 2

Many married couples come up with little brainstorm lists of things to consider if tragedy strikes. It's hard to be in your right mind when big things happen, so doing it ahead of time can really help.

Take some time with your husband and write out things to consider if the worst should happen: children, home, bills, (aging) parents, funeral arrangements, and the like.

When you both agree on the considerations in writing, then all the secondary emotional things (like his brother) automatically fall into place.

Good luck!

Answer 3

Why would you give money to his brother anyway? I don't get that. That money is for you, I didn't hear anything about kids. Bury him nicely, tie up loose ends, and go ahead with the rest of your life.

Answer 4

I'm married to a US marine, who has been deployed twice. We have gone through MANY MANY different types of counseling on how to handle deployments and crisis. We are always told, to discuss this WAY before the deployment, like right when you get married. That discussing this on the eve of the deployment makes things a lot more difficult on the two of you. It's obviously too late for that...

So as for his brother, if he wants you to give some of it to his brother... I do believe in respecting his wishes. If there are NO children involved and no obscene amounts of debt, I don't see why you can't help his brother out, if that is what your husband wishes. I know that I couldn't live with myself knowing my husband asked me to share his life insurance with his sister and I didn't. I could understand if kids were involved and a lot of debt, if you didn't give any to his brother, but then again he'd be selfish to ask in that case.

Answer 5

Do what's best for you and your family and then if you feel the need to help, go for it. If you do not feel the need, then don't. From what you say, the brother doesn't seem to care enough about his brother but cares enough to want money if he dies? I personally wouldn't give them anything if they haven't helped support the family or even bothered to be there during that time.  

Answer 6

It's your choice, if you wanted to help the brother you could.  I would tell him that I would deal with it when the time came.  

Answer 7

Tell him your plans are to use it to start a new life without him or his brother.

Answer 8

I think a persons wishes should be up held. I think if he wants money to be gave to his brother he needs a will set up stating how much. I don't think as his wife you are entitled to EVERYTHING unless he wishes that. It's clear he don't want you to have it all. If you agree or disagree is not the point. When people die it's respectful to do as they have ask. His brother is his blood i would think it's distastful to excule him unless that was what your hubby wanted clearly your hubby wants his brother gave something. Set it up before he is sent out. My hubby has no brother but, he has family i would never think of ripping off his family during their time of loss. I would up hold my husband wishes.

Answer 9

First it is probably a moot point because he will probably come back home.

If you are the beneficiary you do whatever you want with the money. If he wanted his brother to have part he could have made him a joint or partial beneficiary.