My Mother-In-Law Wants To Take A Million Dollar Life Insurance On My Husband r/Relationships

[@johntoomer6820]

The mother in law saying that OP would murder her husband for the insurance my blew my mind because my first thought was that the mom was planning to kill him for the money.

[@ElleD308]

Isn't his MIL, OP's mother?

[@eileen58]

@@ElleD308 A mother-in-law in your spouse’s mother, not your own. His own mom wants to take a policy out on her son.

[@anahkit]

@08 No, it's HER Mother in Law, meaning HUSBAND's mother.

[@dawnstone4424]

Right?! Like why would OP murder him if the policy was naming the MIL😂

[@testtickles7648]

That and her mentioning to keep it from OP cause it's always the spouse trying to collect. Is that the beginning of her plan to kill him and frame OP? I'm still in the comments in the video so idk what's next yet but they really need to take this seriously. I understand having life insurance on your kids...we had an unexpected and tragic loss of my nephew and I'll just say that luckily there was someone in the family who had enough funds in a 401k to take out for funeral costs. But he was a baby, not 27. He was obviously not married. And from how this sounds...if OP's husband dies then his mother gets a pay day AND sympathy making it all about her

[@D-M-K-1-2]

Is it just me, or did the title alone send chills down my spine? 💀

[@MarkNarrations]

Glad it wasn't just me!!

[@ChangedWinds]

Yeah so... That's not a red flag, that's foreshadowing.

[@kuno3336]

What's a little life insurance policy between friends?

[@kristinicole2055]

Lol no me too

[@theresaschuebel5151]

Nope, not at all.

[@novakane701]

When my mama gave birth to the twins, she suffered from some form of blood poisoning. The doctor ordered that only my dad be the only one to be able to see her, but my aunts and uncles, as well as my dad's mother, said my mama was being stuck-up even though my dad kept telling them it was an order from the doctor. She could have possibly died. None of them could stand being told they were wrong about anything.

[@ravenfox926]

Sound like a bunch of fuckwits.

[@jenfree2241]

I can guarantee 100% that when my sister was in labour with her son on our dad's birthday, my dad didnt give a flying fig whether she remembered his birthday or not, because he is sane for a start!!

[@psywar1976]

I was born on my grandmother's birthday. My grandfather said she was jumping up and down, so happy that her first grandchild had the same birthday as she did. That's the normal response. She died over 30 years ago and I still have her in my heart and mind whenever I celebrate our birthday.

[@hungrymusicwolf]

I have a smile on my face just reading your comment. That's so sweet.

[@MarionHogan-m5i]

Make sure your husband doesn’t eat any chocolates which arrives without identifying card 😱

[@yvonnefobbs6232]

Story #1: Tell your husband to lock up his credit and bank information.

[@nyteshayde1197]

I had my first daughter on my dad's birthday. They were best buddies when she was little, and they always had a special relationship throughout her young life. My dad passed this last October and we miss him terribly. Not more than my daughter though. It's been tough on her. I'm so glad they had more than 30 years together. He'll always live through us. Here's to my dad, who at 90 years old was the family game night Cards Against Humanity Grand Champion!

[@taetannim3581]

I'm glad he had a good run, though I know forever wouldn't be enough.

[@melsoft121]

My Aunt went into labour at my Dad’s birthday party and my cousin was born the following day. My Dad teases them about stealing his thunder, but he actually thinks that my cousin was the first best birthday present of all time. My other cousin was apparently disappointed that my daughter was born the day before her 25th birthday. What is with people and being overly possessive about it day?

[@sooner1125]

To do a policy loan you have to build up a ton of cash value. Her scheme is pointless. Insurance companies aren’t dumb and there’s no way to screw them over. Licensed financial professional here :)

[@ericaallisonc]

Yea, thank you. As someone who actually has a high amount policy on myself, I had to go get blood work done to even get an OK from the company, and this was for half a million. Calling that first story out for being bull. 😂

[@nicolelawrence7722]

That's what I thought, especially since he'd have to do a physical in the 1st place. I think OP jumped down the wrong hole. I thought the issue was that MIL was going to try to get her son to pay for it.

[@cuculain78]

​@ericaallisonc I don't necessarily think the story is bull. The crazy mother in law planned to take out the policy. She never actually did it. I'm sure if she tried she wouldn't have been able to do it.

[@sooner1125]

I don’t think it was bull, but the mother was just completely incompetent to think her idea would work at all. You have to have an insurable interest in the insured and a mom would qualify. But you have to agree to be insured and go through blood work and underwriting as the insured. OP panicked a bit but they were never at risk

[@kathyniebylski6735]

#2: The amount of love OP has for his daughter is so heartwarming. I'm also very happy he kicked her access to his life down to 0%.

[@LaineyBug2020]

Story 2- OP should take all the sweet Daddy Daughter things he said and put them in a letter for his daughter for later! He had me tearing up!

[@RockinTheBassGuitar]

Story 2: I remember the initial story. It is so weird all the way around. My son was born 3 days before my dad's birthday and he was disappointed that it wasn't on the same day! He wanted to share a birthday with his grandson lol.

[@babybookworm003]

I was thinking even if ops wife had been induced it wouldn’t have been to spite anyone there would have had to be a medical reason to do so ie baby over due, illness etc

[@PoetDarkling]

To purchase life insurance on someone, you need both an insurable interest in that person PLUS their permission.

[@Russman67]

Story 2: OP's thinks his wife intentionally willed herself into labor to mess up her birthday. Ma'am! That's a level of petty no one goes to. I hope she enjoys info diets, because there is no way I would share information with her again.

[@drewthistlethwaite8909]

Do I know people that petty? Yes. Can they have kids? Even the universe said hell no, yall can’t be trusted.

[@ravenfox926]

Yep, mom's a Narcissist

[@Boe-Temeraire]

Hearing about how much that father loves his baby girl melts my heart

[@pastelroswell]

Heyyy aspec gang! (Aro here)

[@dreamart3395]

My sister's birthday was August 17th. She married a man whose birthday was August 17th. Unfortunately, my sister's husband passed away on my birthday. I was 13 at the time and felt I was somehow responsible for my brother in law passing away. As I grew I knew this line of thinking was skewed. Yet, I never really got truly over the guilt until I gave birth to my son on August 17. I told my sister he was her birthday gift. Sadly, just a few years later my sister passed away ... on our father's birthday.

[@Innocua]

My mother was never well accepted into my father's family. But prior to his untimely death my paternal grandfather liked her. And then she went into labor with me the day before his birthday. He was overjoyed that it was so close, teasingly begging her to hold me in another day. I don't have very many "good" stories about my family, that's one of the few I was told before I was cut out.

[@AleksandarBradaric]

11:12...Damn...from thursday till monday...

[@damitafrost4228]

Yeah. 1 day is plenty....

[@doctordetroit1217]

If the expectant mum, truly could go into labour on command, wouldn't she have had the baby on either the Friday or Saturday so that she could " steal the spotlight" from MIL, and how much of a narcissist do you have to be to put yet another birthday, in front of your grandchild being born?!

[@Smilemyang]

I had my second born the day after my mil's birthday and she wasnt too happy about it and said that she'd always have to share her birthday with someone else now(i never wanted to celebrate their birthdays together anyway). Two years later, we were expecting our thirdborn around the same time and she went, "why do you keep wanting them to share birthdays with me?" Trust me, i didnt. She always makes it about herself. 😒

[@kitarrah1422]

She's probably a narcissist. Or has something else wrong with her.

[@Whykickamoocow]

Id be thrilled having a family member born on my birthday. Best present ever

[@NemFX]

"I'm not saying I want him dead, just that if it were to happen next Tuesday at 10:32am, that we could go to Mexico."

[@simonbrushes]

I work for the legal department for an insurance company. First, the Mom cannot take out a policy on her adult son without his signature. Second, even if the mom managed to get this policy by forging his signature, a policy of that value would require him to go through a physical. And finally, she has to build up a cash value in order to take out a loan, and that only happens by making many many payments.

[@adelaide201]

I can't imagine the thought process it takes to decide on getting a life insurance policy on your own child, period

[@idontknowmyfruits2194]

I can see the point in getting it to set them up to have it in the future in case anything health related comes up at any point in life that prevents them from being insurable but not to be set up for “when” (not if, she said WHEN) they die before me. That’s awful and I would have a panic attack thinking like that. This lady has to at least be willing to k word her kid the way she is acting I’m scared for him and OP tbh.

[@AndyyWithAY]

I have to count that first update as slightly positive, at least it wasn't murder. I didn't remember Story 2 at first but now I do. How was she taking the spotlight from OP?? I smell emotional incest from the mom 🤮🤮 i couldn't imagine a better bday present for a grandmother. So more credence to emotional incest. They need to go NC with the mom and EVERYONE on her side

[@nataliereeves3594]

The wouman is a self-centered narcissist who can't stand that op got married and had his own kid because he dosent soly pay attention to her anymore. It's a whole year, and she still hasn't apologized. She's never going to, and op is probably better off cutting her off because she's made her decision.

[@ZombieSazza]

My birth was a few days before my grandmothers birthday, my bio mother apologised to her for forgetting. She didn’t care, she said I was the best gift ever, she got to be a grandmother and nothing could replace that, that her birthday paled in comparison to giving birth. My grandmother is the only relative I have contact with from my mothers side (no contact with bio mother for a very long time) and she’s always made me feel loved and understood, and this was always my grans favourite story to tell me when growing up, that I was her first grandchild and the best present ever was hugging baby me. That’s how you’re supposed to act in this situation, not be a narcissist who’s angry at your sons wife for giving birth. Sadly, OPs mum reminds me of my own bio mother all too much, just someone completely self absorbed and convinces everyone around them that they’re the victim. I’d be cutting contact with her even _if_ she apologised, ain’t no way I want that toxic attitude near me. You’re 100% correct that a normal grandmother would be ecstatic to have a grandchild on their birthday, my birthday is the 15th and my grans is the 19th, and even tho I’m 33 now she’s still always happy to tell me I was the best birthday present ever!

[@AndyyWithAY]

@@ZombieSazza Thank you for that lovely story! 💖💖

[@errantwinds-up8uu]

Not a parent myself but my dad liked to talk about my birth every year. Madly embarrassing! But now I know that he really just loved me.

[@luciegraham-cumming677]

20:36 you provide a safe space for us too Mark

[@jamisonosborne]

Story 1: MIL clearly doesn't understand how any of this works. For clarity, here's why the MIL is an idiot. Dollar was mentioned so approaching this from the US perspective. 1) Term life insurance doesn't let you take out a loan. Only whole life insurance does. 2) Taking out a loan against a whole life insurance policy usually requires between 5 to 10 years of premium payments before you are eligible for a loan. 3) The average monthly premium for a whole life insurance policy if that value could be up to $1000 a month. 4) The insurance company can just deny the loan application, even if you've met all the other requirements. So... Yeah. MIL is just dumb. Edit to add: Term life insurance has to be renewed and premiums are reassessed. Whole life insurance lasts for your whole life. There are exceptions, but that's the general rule.

[@Andrea.S.Alvey12]

Story one: Op should insist her husband goes to SS office and requests a new SS number. And he should not agree to signing off on any insurance his mother tries to take out on him. He's an adult, he has to designate who they pay out to, should he die before her. This story is giving me te creeps!

[@gelibeanzcantrell7192]

i share a birthday with my grandpa 🥰 we had a huge party last year just for him because he turned 80. he was the only one who brought attention to the fact that it was my birthday too, even though he didn't have to. i love sharing birthday parties with him as much as possible because we haven't been able to do it since i was little. those parties were usually centered around me, but now that i'm an adult, this time it was all for him.

[@StephanieHWLS]

My grandmother and one of her great grandchildren share a birthday and grampa who was that grandma's husband died on their birthday. The family went to their home for the wake and we still had cake, ice cream and presents to the birthday girls despite the somber circumstances. We mourned his passing but also celebrated the living.

[@CreepyBlueAnimals84]

The way OP talks about his daughter and becoming a father is so heartwarming and adorable!! Good for him, his wife and their growing family!!❤

[@Masenken]

I was born in my dad's 21st bday. He met my mom while on deployment, and got stationed on Japan for a while, when I was born. I don't think he was entirely cognizant if the fact that my mom was on labor. The only thing he was adamant about was that he hated his name and didn't want me to have it. I think the reality finally sunk in later cause when they had my brother he got his name 😂

[@Peeges_]

Thanks for hanging out with us ❤

[@MarkNarrations]

[@juanvilas5341]

Story 1 : I guess that's the good thing about narcissists, you can trick them relatively easily into admitting their plans, if you choose the right words. In this case, it only took figuring out what she was going to do to make her feel very proud and admit that it was indeed her perfect plan that only she could come up with. Story 2 : Rightttt... because a woman can choose what date her child will be born... A real mother would understand what is happening and would simply decide to go with her son later to a restaurant or something to celebrate her birthday as well as been happy about his sons child been born during her birthday... That woman has disorders too.

[@darkunykorn404]

*reads title* oh my *does the That Chapter life insurance policy dance*

[@Lucina..]

Now I have that song stuck in my head 😂

[@Bri_g3]

We’ll be watching this on That Chapter with Mike next 😮

[@BloodSunBlast]

Nope, you don't need a signature. My grandma who had a restraining order on my bio dad under false stuff (she used the old lady act as a way to evict him.) Had gotten a secret life insurance plan on him. He only found out when they were sending mail asking for money. Since she stopped paying into it. He tried to close it but they refused. Saying only my grandma was able to close it

[@Zaners82123]

My grandmother held a grudge on my mother for not waiting until my dads birthday to give birth to me. His is 2 days after mine but the funny part is my daughters is 2 days after him. It was just meant to be!

[@missybuchanan9631]

My BFF went into labour on my birthday, she texted me “happy birthday, you might be sharing it”. Missed my by literally an hour in the end. 23 hrs in labour, and he was born at 1am the next morning

[@melisandeperalta6146]

Story 2: I share a birthday with my cousins' grandfather and a kindergarten classmate. I loved it because it was fun to celebrate with another person.

[@annem7806]

1) husband needs to contact his atty immediately. Ignore but chronicle her BS for future lawsuits. Nope, no bad driver on your insurance. Hold on your credit. Pin codes on everything.

[@annem7806]

2) Mom made her bed concerning your wife. She reaps what you sowed. Stand your ground, assert your boundaries. Tell other family they can be banished too.

[@TheRealVenna]

My first born was born on my dad's birthday. She was the first grandchild, so he literally became a granddad on his birthday. He loved that!

[@britts330]

In some states you cannot name someone other than a spouse as a beneficiary without the spouse’s permission

[@treehouse2902]

The couple can send an anonymous letter to the insurance company.

[@michellejakeman1533]

Can’t collect on a policy if you’re the murderer.

[@marycrawford9428]

My youngest was born on my brothers birthday, and my other brothers anniversary. So now I can remember those dates!

[@hodgeelmwood8677]

HIPAA (proper spelling): Health Insurance Portability and Accountability Act. It protects the privacy of individuals in re: to their healthcare (in addition to other provisions). Healthcare personnel cannot discuss or reveal your info without your signed permission. I don't know if this applies in any way to obtaining an insurance policy.

[@Wulfyr]

The fact that someone can take out a life insurance policy out on someone else without their permission in the US seems absolutely insane to me. It's just begging to put a spike in the homicide statistics.

[@MorganVsTheInternet]

1- why would she be the beneficiary of HIS life insurance when he's married? She'll kick the bucket first with her lifestyle!

[@StephanieHWLS]

The person who takes out the policy decides who benefits unless.court ordered.

[@QuietRage]

Story 2: This was the perfect bonding opportunity for MIL and DIL. Imagine how sweet it would be if MIL posted something like, "I am getting the best birthday present of all...a grandchild! So thankful for my son and his wife!" But no, narcissism is the natural predator to wholesomeness 😔

[@NakaidaBeauzec]

Sharing birthday with a narc is a nightmare.

[@alanblack6500]

I was born right on my Aunt's birthday, we always had a special bond, I miss her.

[@goatkiller666]

Dude. Implicating him in a $1,000,000 insurance fraud is… damn.

[@persgodiva]

What sport of mother is banking on her son dying before her so she can cash in? That's usually a parent's worst nightmare!

[@invisigoth510]

Story one: if they are in the US, she can’t take a policy out on him without his permission He (or someone pretending to be him) has to sign the policy Mom is totally going to off him Update: I watch too much Discovery ID & listen to too many true crime podcasts She was going to take out a loan on the policy & stop paying on it

[@pickle_pup8187]

Just when you think you have heard everything!! 🤦🏻‍♀️

[@jayjaytaylor565]

My baby was born 3 days after my MIL. She was so excited and disappointed that I didn't have my baby on her birthday lol. She calls my daughter her belated birthday present. 😭

[@carlrood4457]

It's unlikely she'd be able to take one of that amount out in his name without a physical exam, although there might be a really high premium policy that will just base it on his age.

[@BriannaWeldon]

A $1mil policy for a grown man would be hundreds of dollars a month.

[@buffysheffield1328]

Oof X2! Thanks for the stories! Much love indeed!❤

[@maurer3d]

Story 1: NTA, the only person who should have a life insurance policy is you. Maybe she should get the plan on her mother, the one who she lives with and supports her. Story 1 (update): Yeah that plan would not have worked. The size of the loan she could get would have a direct correlation to how long she had been paying the policy. Also the loan documents would require her to pay back the loan before canceling the policy.

[@hvymax]

I'm surprised she didn't want the policy on OP

[@susanvanophem4569]

My daughter shares her birthday with twin uncles, her cousin namesake, a cousin and his daughter. We love it!

[@carolbetarello]

The way she says WHEN he dies, instead of IF HE DOES BEFORE HER. It’s so obvious.

[@paulclay4229]

Story 2: are OPs family thick? They think Medicine to prolong a medical procedure that is serious and can be fatal ( thankfully rarely) exists. Then on top of that a person can go into labour on que and opt to prolong the procedure, for no medical reason?

[@rafertieslorekeeper5771]

The one about the birthday labor: This just baffles me. I know if I'd been born around either of my grandmothers' birthdays they'd have been *thrilled* at sharing it like a bonding event (which is how I would've seen it, as a note). But maybe that's just how my parents and grandparents were raised. Oh, and the only thing they might've been annoyed about was 'she's been in labor this whole time and you didn't tell us? Can we be in the waiting room to support you both?" (waiting room, not delivery room just to be clear) Is it just me or are in-laws a lot more wild than they used to be?

[@sammidoneff]

I was born on my great grandfather’s birthday. For some reason, to him this meant that I was the ONLY great grand child he had, despite there being at least a dozen of us. Very different way to look at a shared birthday

[@Cecona]

I share a birthday with my grandma, and it was such a delight while she was still alive. I would call her and wish her happy birthday, and she would wish me happy birthday as well.

[@CarinaCoffee]

15:06 wow, that got Mark proper riled up 😂

[@Mew_Mokuba_Akari]

My sister was turning 10 when she said she didn’t want me to be born on her birthday as she didn’t want to share a birthday. She got her wish. She was the 22 and I was born the 23. As we got older it became a joke. But my mother always insisted we have separate cakes.

[@merlinathrawes746]

Insurance story: Given MIL's mentality, I'd be concerned enough to lock my credit down with the credit bureaus. Yeah, it's a pain, especially when you need to take out credit yourself, but this would prevent her from taking out loans in your husband's name for any reason, let alone to fund a million dollar insurance policy. But with that large of a payout, I think most insurance companies would demand a physical of your husband before they would issue a policy (I could be wrong) and could thus refuse the policy. But I wouldn't eat or drink anything she might send to you now. UPDATE: I hadn't thought about the loan against the policy angle. That does make a (demented) sort of sense. I would still contact the credit bureaus to get hubby's credit locked though. She does know his details and at this point it's only a matter of time before she tries to take out loans in his name.

[@mikef2811]

S1: The insurance company will not insure him unless, he consents to a medical test, along with medical background check....so the wife will know unless her husband hides this from her too. Anyway, Life Insurance does not work like what the mom says about taking out a loan on it and let the policy default. You can only take out what is accumulated on the cash value side of the policy and that will take years before it will be worth anything. She will go broke, and the policy will default before she can even take out a loan. Also, Term Life Insurance, you cannot take money out, it has no cash in it, just insurance. Life Insurance companies are not that clueless.

[@melosidhe779]

S2. That was an insane amount of time to be in labor. Days of pain, stress and lack of sleep are already being coupled with the stress of a new baby. They don't need his family adding to it. Keep them banned until they finally pull their heads out of their rears and apologize

[@GApeach1313]

They do have meds that can slow down labor & induce labor but I’ve never been to a maternity ward that will use those meds so you can miss a birthday party. I swear, some people. They don’t use meds unless absolutely necessary so that it doesn’t create any more risk to mom or baby. 🤦🏻‍♀️

[@Everyoneisanartist776]

I just can’t comprehend how easy it is for people to throw away their opportunity to be happy, by being the a hole, going to jail, not taking care of themselves. Listen people, you only get one life. Live it wisely.

[@hodgeelmwood8677]

Story 2: Does the family even know that OP's wife spent FOUR DAYS in labor?? Who gives a fuck about someone else's birthday in that scenario?? His family is nuts, esp his mother.

[@FeeBee3001]

I was born half an hour before my grandpas birthday. He loves that my birthday is so close with his.

[@lemarch57]

Story 1: Diabolical plan, but either way she would be ‘taken care of’ since prisons provide 3 square meals, healthcare, and a roof over her head.

[@leoniemarks4594]

I was nearly 2 weeks late and had I been born 3 hours later, I would have shared my dad's birthday. That said, my younger nephew does share his grandpa's birthday. And a woman in her 60s should not be so insistant on everyone celebrating her birthday at the cost of everything else. This year for my birthday I got 6 birthday cards and just one present. Yeah, one - and that was from my own mother! It didn't help that the last time I saw my dad was the day after my birthday and he died exactly 2 weeks later. His funeral was 3 days before my daughter's birthday and 4 days before my SiL's. Yes, all our family birthdays are between 22nd Dec and 24th April. It's a very expensive time of year.

[@kevinclark495]

So the M.I.L is in poor health which insinuates shes on medication.....

[@Voodoomaria]

Story #1: No, you can't insure someone elses life with yourself as beneficiary without that person's knowledge and consent. What disturbs me is Mother's mind immediately going to murder. Husband says she'll find another get-rich-quick scheme, but does he realize her CURRENT scheme involves arranging a fatal "Accident" for him? I've seen this plot on WAY too many movies, so naturally, knowing what MIL is like, "Double Indemnity" [Paramount 1944 starring Fred MacMurray and Barbara Stanwyk] leaps to mind. I'd not eat any cookies provided by the old broad, or take any train rides with her for the foreseeable future.

[@maurer3d]

Story 2: NTA, you were literally in the hospital supporting your wife. And no your mom should let you and your wife recover from the birth and the stress, before visiting.

[@gfighter897]

OP’s husband needs to check his car before leaves anywhere.

[@jonstephenson9660]

First, the whole “can’t do it without husband’s consent/participation” is exactly the reason they’re being informed/guilted. Second, her holding such an expensive policy, or defaulting on one, can make it difficult to get a policy going forward. Third, you can actually borrow off a life insurance policy. Which is probably the plan. Edit: (Post update) told ya.

[@ZombieSazza]

My birth was a few days before my grandmothers birthday, my bio mother apologised to her for forgetting. She didn’t care, she said I was the best gift ever, she got to be a grandmother and nothing could replace that, that her birthday paled in comparison to giving birth. My grandmother is the only relative I have contact with from my mothers side (no contact with bio mother for a very long time) and she’s always made me feel loved and understood, and this was always my grans favourite story to tell me when growing up, that I was her first grandchild and the best present ever was hugging baby me. That’s how you’re supposed to act in this situation, not be a narcissist who’s angry at your sons wife for giving birth. Sadly, OPs mum reminds me of my own bio mother all too much, just someone completely self absorbed and convinces everyone around them that they’re the victim. I’d be cutting contact with her even _if_ she apologised, ain’t no way I want that toxic attitude near me.

[@kerribottriell-baxter7345]

2nd story: Not on the update, and my jaw dropped at the "wife purposefully went into labour around my birthday" ... yeah... because that's how labour and birth work apparently... good grief. Post update: Uh well... That woman will never get to see her granddaughter grow up... no sympathies for the stupid narc. No different to my husband's family not seeing their grandkids/nieces/nephews/cousins - all because they want to believe that MIL, FIL and SIL weren't in the wrong for what they did to their Uncle's/brother's/son's/my husband's and my kids. My youngest has no idea who his own Nanna and Poppy are - the long wanted grandson!

[@Tokuijin]

Op might want to alert the police

[@aphelion4616]

S2: I had my son on his grandmothers birthday after being induced due to a high risk pregnancy. Want to know what happened? My FOL joked that he wasn't going to be able to give my MIL a better birthday gift ever now... all while holding his new grandson and playing with him. It's a joke to this day. No bitching at me for having him on her birthday, no, she's thrilled she shares it with her grandson!!! That family, OOF I'm so sorry.

[@WolfyFancyLads]

Do you know why everyone's spidey senses tingle when you hear "massive life insurance taken out"? Because there's literally not one occasion, not even with rich people, where someone would pay for a monstrously huge sum of life insurance. Even the 1% have life insurance of like 300K max. Nobody takes out a huge number without it having ill intentions. Also "fell asleep" at the wheel or "blacked out due to health problems" at the wheel?

[@Shenn3165]

FYI most insurance exams are blood tests and questioning.

[@Lordofthelosers01]

So some facts regarding life insurance: 1. There are 2 categories: Term and Permanent. Term is dirt cheap for those under 40-45. As an estimate for a healthy male of 27 for a Term 10 (10 years before the contract ends) for $1 million the monthly premium ranges between $35-$40 per month. If you pay annually you save like 7%. 2. Usually you have to have some kind of financial dependence in order to get a life insurance on someone other than yourself and to be the beneficiary. Since the mother is not financially dependent on her son most insurance companies would not have allowed what she was doing. This would be allowed if he was a minor but parents have to have equal or more coverage than their children. So if the mother had no life insurance policies active on herself she could not get a policy on her son, or at least not above $100k I think.

[@madgevanness4011]

Just a point, term policies have no cash value. They do let you sell a policy, but the usual requirement is that you are terminally ill. And usually the insured gets the funds. Best deal tends to come from the insurance company, but it can be sold outside. Did you know you can sell extended payout lottery winnings for immediate cash?

[@Lordofthelosers01]

@@madgevanness4011 I have heard of people being able to sell their policy if they are terminally ill. Did not know people could but the extended lottery winners payout, I thought it was either take the lump sum or yearly payments but those were tied to the winner

[@sternenblumen]

My mom got my sister smack dab in the middle of her and her mom's birthday (mom: 29th June, sis: 1st July, grandma/her mom: 3rd July). All my grandma had to say about it when she phoned her up with the news (pre-internet days 🤭) was "You're not serious?!" followed by "Nice timing." (And then presumably the usual congratulations and questions about how everyone's feeling, etc.) Sis was about ten days early, so it was unexpected but not totally. Who the hell is so egocentric they're only thinking about themselves during what was obviously a very stressful event for their son's family?! Also, four days of labour?! Kinda glad the baby thing didn't end up happening for me now 😮‍💨.

[@TH-hy9kr]

It drives me up the wall when people misspell the Health Insurance Portability and Accountability Act (HIPAA).

[@Ecclectic_citcelccE]

The insurance loan is a pipe dream. The insurance company would only loan an amount smaller than what MIL had paid (equity) she wouldn't live long enough to get a loan and then wouldn't get her payments back when she defaulted.

[@jonathanj8303]

This, I don't understand how you could take out a loan against a life insurance payout that you might well never receive. That's not collateral. Why would a lender even think the life policy was relevant?

[@madambutterfly1997]

You can’t take out a life insurance policy on somebody without their consent so there’s no issue here with that. Edit: maybe with children, developmentally disabled or someone in a coma, but I don't think that shit would fly with a fully competent full grown adult in perfect health

[@catsncrows]

I thought you could take them out on children?

[@Cruz2917]

Yes you can

[@NakaidaBeauzec]

​@@Cruz2917so I can take life insurance out on any random person?

[@Jessntea]

@@catsncrowsI assume with children, the parent/guardian is the consenting individual since they can’t consent legally

[@sandracox4341]

I think you can.

[@thatjeff7550]

Concerning cost of the life insurance policy: I was curious so I checked for monthly premiums for a $1M policy on a 27 year old. It appears to be fairly cheap--around $100-$150 per month. The deal is, being term the policy annual premiums will go up each year as the person gets older. However, mom would not be able to get a policy without son's permission and health check.

[@Catherine.Dorian.]

My dad and I nearly share a birthday (9/11, 9/12) but we always called each other twinsies and made it a big thing, it wasn’t something to be upset over - he hoped I’d be his birthday present but I took my time and got born after midnight

[@purpleiguana208]

Imagine being so stupid and petty that you think maintaining a pointless grudge is more valuable than forming a relationship with your grandchild!

[@louellacharlton4425]

Tyvm Mark. Yes they all have a stress free year and get to have cake! Woohoo. Stay safe please, peace. 😂😂😂