I was divorced back in 2005 , part of the agreement was i had to get a one hundred thousand dollar life insurance policy on both my children , my ex wife was to be the sole beneficiary and i had no other control other than paying for it , lately i notice i only get info on one child , I can not seem to find out if both children where covered , i know i signed them both up , but i have no access to the policy since i had to send all that to the ex, what happens if one of the children wasn’t covered the whole time and no one noticed it ( The oldest is now 19 , only had to cover them till 18 ) am i in contempt , what can i do ? 
Haven’t you answered your own question here:
i guess so , what i am worried about is if the courts find out their wasn’t any coverage on one of them , would i have a problem ,
There really isn’t a way for any of us to answer for sure without seeing the actual agreement. It does sound like you’re fine since the eldest is over 18.
it is agreed that as long as the father is legally obligated to support child , father will contract in full force and effect a life insurance policy with a face value of one hundred thousand and no/100dollars($100,000.00) with mother as trustee for the children, designated as irrevocable beneficiary . Within thirty (30) days after the insurance policy has been obtained , Father will provide mother the name and address of the insurance company, the policy number , and a copy of the insurance policy
that is as it is written on the divorce paper work
It would appear that you’re in the clear. Since you’re paying the premium, can’t you contact the insurance company and ask them? You’re the customer.
been trying to contact them , tried once before but they wouldn’t tell me anything because i am not the policy holder , i just pay the premium , something tells me her attorney would have noticed if only 1 child had the insurance and not the other . and the courts should have noticed
i just don’t want to get in trouble for a clerical error, if their was a mistake
So you’re concerned that it might have listed only one child the whole time? Seeing as you’re still among the living, you should be ok. Even if there was a mistake, it was presumably an honest one and no one suffered any loss.
Reported for forum change, shortage of capital letters and punctuation oddities.
The policy is on the children , to be paid to their mother if anything happens to one of them
sorry i haven’t slept :smack:
Ok, well then the same logic applies. If the oldest had dies before turning 18, you’d be on the hook for the hundred grand. Since they didn’t, you should be safe.
Legal advice–moved to IMHO.
samclem, moderator
I am not a lawyer, or even a layman with general knowledge of legal principles. I am totally unqualified to say anything about your legal obligations, and I am an anonymous monkey typing on the internet.
But I’m going to guess that if anybody accuses you of something, you would have a good reason to accuse them back: maybe for malpractice or something. Because somebody in authority should have noticed the mistake. And aside from the the professionally paid counsel, your wife who received a copy of the policy should have been expected to read it and notify somebody.
But remember, I’m just a monkey and have zero experience with divorce.
So may I ask a question: why do divorcing parents have to take out a life insurance policy on the kids? Why does the mother need to get paid because a child dies? Or was it a health/disability insurance policy? That makes much more sense.
I would have thought that the life insurance policy was for **your **life, to provide money for your minor child should you die while they were still requiring support. Why would you insure a child’s life?
IANAL
Shouldn’t the premium have been reduced when the older child hit 18? The liability has halved - so should the premium, unless that was accounted for at the beginning.
I too assume that the policy would be on your life to make sure that the kids would be supported even if you copped it. I imagine that if you are in reasonable health, that it wouldn’t have cost much.
That’s what I was wondering. My husband had to have a separate policy on himself that paid out to his former wife, until his son from that marriage turned 18. Now his son is the beneficiary.
None of this makes much sense. Who ordered you to pay for your children’s life insurance instead of health insurance? Did you pay directly to the insurance company, or was it sent to your ex or her lawyer for the purpose of paying for the insurance? If you paid it to the insurance company, why can’t they tell you what you paid for?
Because one party made a demand and the other party agreed? There are parts of my divorce agreement that make no sense, but the ex demanded and I agreed.
I really don’t know much about this, but isn’t there some sort of special life insurance policy people can get for minors and then cash it in when they turn 18? I’m pretty sure I’ve heard of parents doing this to help pay for college for their kids.