Spouses are allowed to carry separate insurance policies, as there are no laws stating otherwise. However, it is generally more cost effective for spouses to carry one together.
NY and Auto PoliciesYou can have separate policies, but most of the time, it is cheaper to be on the same policy. A NY Insurance Company will ask the question of being married, and if there are other licensed operators in the household, regardless of if they drive the car. It is always said that if there are others in the household that they do have access the the vehicle (last car in the driveway theory). If you commit fraud, you can be denied a claim.
Yes, a spouse's health insurance company can drop coverage for a spouse if they are legally separated. Many insurance policies stipulate that coverage is contingent on the marital relationship being intact. Once separation occurs, the primary policyholder may choose to remove the spouse from the plan, or the insurance company may have policies that allow for this action. It's important for separated spouses to explore their options for individual health insurance coverage.
It is normal to have responsibility for it. The insurance often also required the spouse to accept responsibility and the primary insurance holder is always required to do so.
Credit Life Insurance.
yes
It does. Beginning June 26, 2013, same-sex spouses of active service members are eligible for health insurance.
it's your house. it's your house.
Yes, they do.
Survivorship life insurance is often taken out by spouses. All the benefits of the policy roll over to the surviving partner on the policy upon the first person's death. However, the benefits are not accessible by the surviving partner; the entire policy is only paid upon the second person's death.
yes they can
Yes, they do.
Generally, the owner of the policy has the right to choose their beneficiary.