my husband and l have one child together he is 4 years old and he is the first benificiary which is great but my husbands mother is the 2nd beneficiary and l am not on his life insurance at all and l am his wife he also tells mel dont deserve it. my question to all of you is is this normal becuase l find it to really messed up his mother dose not even need the money she has a really good job and she is getting alomony from her ex husband and also im sure has a retierment plan l mean the lady is in her late 50splease help me and give me advice thank you so much .

Unacceptable. If he dies how does he expect you to raise your child without his income. Dump the selfish B

Your husband is a tool.

There is no advice. Is this his only dickhead thing, or is this one of many?

Maybe he is just afraid that you will kill him if the insurance is paid to you. Little does he know that as your son is legal guardian you would get it anyway.

Good luck with that.

Unacceptable! He is still mama is little boy, moreso than you are his wife.

Anyone for marraige counseling before this becomes a big issue which will ultimately lead to a divorce???

You do not deserve it??? Hello! Yes you do! you need that money to take care of you and your child if he dies.
Our life insurance has the spouse 1st & our son 2nd.
Your husband needs a wake up call.

For a start, its not a very nice thing to say that u ''do not deserve it''. Maybe l am reading too much into that comment, but to me it maybe gives an insight into the strength (or lack) of ur marriage. His choice on the insurance could be a warning sign that things may not all be well? May be worth talking to him about that.

To my mind, a person takes out life insurance to provide for the people who would otherwise have been provided for by that person had they continued living - ie if the man is the wage earner in the house, he takes out life insurance to cover the lack of wages in the event of his death. From what u say, ur husband does not seem to care about providing for u after his death, & is only concerned with a consolation payment to his mom to help her get over his passing. I'd have to say l find that pretty odd.

Why would you make your CHILD the beneficiary? Whoever is the GUARDIAN of that child, could do whatever they wanted with the money.

No, it is not normal. Usually your SPOUSE is first beneficiary, and a trust set up for your kids as contingent beneficiary.

You've got a crappy marriage. It is not his mother that is the problem. It is him. He sounds really abusive. You're probably best off leaving him.

No, its not normal.

Often times the second beneficiary is someone other than the spouse. this is done incase both of u pass away at the same time. Perhaps it is something where he does not trust leaving u in charge of the money? Hard to say.Could be a lot fo reasons for it really.

As easy as it is for people to say that it is unacceptable, it is his insurance & it is his decision on who gets the benefits of that insurance. Hopefully the mother in law will have enough decency to make sure her grandchild is taken care of.

It is up to your husband to designate beneficiaries on a policy. l have a client who left his life insurance to a friend and did not include his wife. l would try to find out why your husband thinks that you do not deserve to be the beneficiary. Unless your husband changes his beneficiary then l am afraid there is nothing you can do.