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The role of life insurance after a divorce

For Rhode Island residents who are going through a divorce, there are plenty of aspects of life that they will need to adjust to after the legal process is complete. No matter how long the parties were married, post-divorce life can be stressful for many people. However, it is important to take the right steps to adjust, especially when it comes to finances.

For some, the role of life insurance after a divorce will be important to address. The vast majority of married people probably have their spouse listed as the beneficiary of their life insurance policy. Once a divorce is started, neither party can change thebeneficiaries during the divorce process.  As a couple goes through a divorce, that beneficiary designation will likely need to be negotiated and changed. But who do you change it to? The answer to that question will vary depending on individual circumstances.

In some cases, ex-spouses may even elect to pay for a life insurance policy on their former spouse and name themselves as the beneficiary. Why? Well, doing so can protect against a sudden loss of child support or alimony if the ex-spouse dies before those obligations cease.  Who maintains the insurance is a topic that needs to be negotiated.  

Rhode Island residents who are going through a divorce will have many different family law issues to address. Financial issues are just one aspect of a divorce. There may be property division, child custody and visitation, and alimony issues as well. The end of a marriage can be a significant source of conflict and emotional stress. But, it is important for Rhode Island residents to make sure that they get the right information about their legal options during such an impactful time in life.

Source:, "Updating Your Life Insurance After Divorce," Accessed March 12, 2017

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