You do have a right to have a policy on your spouse as you have insurable interest. However you can not take out a policy with out the consent of the person to be insured. There is underwriting that has to be done including possible bloodwork and maybe a physical exam. Your spouse will need to sign to have this completed as well as giving permission for medical records to underwrite the life insurance policy. If you find someone to claim they can does any other way you are probably not dealing with an moral/ ethical company and I would have questions when it comes to claim time if they would pay.
not legally. You would have to sign the application, answer the medical questions, and often have a physical.
Yes, a spouse can cash out their own life insurance policy in most cases. There may be some restrictions within the initial policy so this is an individual case basis.
no
yes
Yes, especially if your spouse pays towards the insurance benefits out of his/her check.
no
Yes.
No
I know you can still get divorced in NY without a signature if you've been separated for 2 years. There are other ways too but you still have to get consent from the court, like if you don't know where your spouse is
The remaining spouse or executor of the deceased's will.
If both you and your spouse have full medical coverage then the insurance compnay will revert back to your and your spouse's date of birth. Whoever's birthdate is first in a calendar year, then that is the primary insurance. For example, if your birthday is November 1, but your spouse's birthday is February 12, then your spouses insurance is primary for both of you.
No, they can't. You can have two insurance coverages.