Life insurance policy without my knowlwdge

rushy1970

I found out yesterday that without my knowledge or consent my ex wife has taken out a life insurance policy on me. This was taken out 3 years after I left the marital home, and after we divorced. This is clearly forged and fraudulent. It is with a well known UK company. 

What can I do in order to get the copies of the documents that we given, the information given, and how to ensure that I'm removed and the policy is stopped. 

Also, is a subject access request something I can request as I'm horrified that this has happened. 

As I said, I wasn't privvy to any of this, it's been done completely without my consent or knowledge. It was taken out in 2005. 

Thank you. 

The_Unready

https://www.moneyexpert.com/life-insurance/ask-an-expert/can-i-take-out-a-life-insurance-policy-for-someone-else/

It may not be fraudulent. Do any of those conditions apply?

Keep_pedalling

It is possible to take out insurance on someone you have an insurability interest in. So if you were paying her maintenance that would stop on your death then that would seem a legitimate insurability interest.

if that is not the case then the insurance would be void and she will have wasted a lot of money.

The_Unready

........ although, to be fair, the insured should be made aware of the policy in all cases.

So, the question is, which dodgy financial advisor or company set the policy up for her?

dunstonh

This is clearly forged and fraudulent.

How is it clearly forged/fraudulent?

What can I do in order to get the copies of the documents that we given, the information given, and how to ensure that I'm removed and the policy is stopped. 

Unless you are a policy owner you cannot.  The life assured has no rights to information on the policy.

Also, is a subject access request something I can request as I'm horrified that this has happened. 

You can but it may not provide any information or virtually everything will be redacted apart from where your name appears.

kingstreet

Wouldn't the LA have to accept AMRA terms?

What about the medical UW questions/answers?

rushy1970

dunstonh said:

This is clearly forged and fraudulent.

How is it clearly forged/fraudulent?

What can I do in order to get the copies of the documents that we given, the information given, and how to ensure that I'm removed and the policy is stopped. 

Unless you are a policy owner you cannot.  The life assured has no rights to information on the policy.

Also, is a subject access request something I can request as I'm horrified that this has happened. 

You can but it may not provide any information or virtually everything will be redacted apart from where your name appears.

I'm assuming it would be fraud if I had no knowledge of it. Would there not be a medical, consent,. Signatures required 

dunstonh

I'm assuming it would be fraud if I had no knowledge of it.  Would there not be a medical, consent,. Signatures required 

It is hard to prove as you are looking at the period when no signatures were required.  Medicals and consent would only be needed if the questions indicated risks that the insurer would want to look into further.   A clean application with no signatures could be set up easily with no GP request or medical.

jackieblack

rushy1970 said:

I found out yesterday that without my knowledge or consent my ex wife has taken out a life insurance policy on me. This was taken out 3 years after I left the marital home, and after we divorced. This is clearly forged and fraudulent. It is with a well known UK company. 

What can I do in order to get the copies of the documents that we given, the information given, and how to ensure that I'm removed and the policy is stopped. 

Also, is a subject access request something I can request as I'm horrified that this has happened. 

As I said, I wasn't privvy to any of this, it's been done completely without my consent or knowledge. It was taken out in 2005. 

Thank you. 

Why do you care? How does it affect you in any way? (Unless you’re worried that she’s going to bump you off, but she’s had 17 years to do that 🤷🏻‍♀️)

If you have children and/or your death would result in the cessation of maintenance payments, she has an insurable interest in you and therefore a perfectly valid reason to insure your life.

jackieblack

rushy1970 said:

dunstonh said:

This is clearly forged and fraudulent.

How is it clearly forged/fraudulent?

I'm assuming it would be fraud if I had no knowledge of it. Would there not be a medical, consent,. Signatures required 

Well, we all know what ‘assuming’ does... 😉

Alderbank

rushy1970 said:

I'm assuming it would be fraud if I had no knowledge of it. 

How would you prove you didn't know about it?