Hi there Seren

As always the advice our users have given you is great!. You must have your husbands consent to apply for this policy. You do have insurable interest so having a policy to protect his life is important. Your husband needs to complete the application as it is very important all of the relevant questions are answered accurately, failure to do so could result in a claim being declined. Your husband should place this policy into trust which means the benefits are assigned to you and your children and this will avoid any IHT implications.

I have a great team of advisers who will be able to find you the best policy and will do the application with your husband and place it in trust. If you would like to contact we are on 0845 345 5705 option 3.

Good luck
Emma

There's a rule called 'insurable interest' - ie you have to show that you have an interest based on financial need, which requires a life insurance policy. Yes, you need to have his permission, in fact really HE needs to take out the policy, even if you're planning to pay for it. Otherwise you would have a vested iterest in him dying...! Which may SEEM appealing!

Shel

Thanks Gabriel x

You should be able to set up a policy, but you definately need his consent to do so, especially as he may have to go for a medical.

Doesn't have to be a joint policy but probably makes sense to be. Probably needs to be in trust to the children though otherwise he would get the cash if you died.

If it is joint you can have Critcal illness on one life only - is that what you mean

Can someone please tell me if I can take out a policy on my husband despite currently divorcing him? I ask this to safeguard my children's future (he should be paying child maintenance for the next 16 years at least). Would I need his consent to do this? Would this need to be as part of a joint policy with myself? I currently have no cover. Also, if I take out critical illness cover, would I then have to do the same with his policy? Thanks x