Hello to anyone here who already knows me, and to anyone who's joined the forum since I was last here. Just checking in with some updates and a question. The update, my son is still in Chicago and as far as I'm aware is working on recovery, going to therapy, meetings, etc. I'll get an occasional red flag but I've reached the point of don't ask/don't tell. If something else is going on with him, he'll tell me when and if he's ready, because it's his journey, not mine. Ignorance is bliss, as they say.
But here's the question. The other day we were talking about life insurance and he told me that he has decided to take out a policy on me with himself as the beneficiary. (I did some research and there are limitations and caveats so he may not be able to...at least not legally) I did read that I would have to give my consent for him to take out a policy in my name. Yesterday he called to inform me that he had talked to an insurer (not sure which company) and that I needed to be on the phone with him and the insurer, and he wanted to make the call right then and there. Now, I don't have a problem with this per se, but I did tell him that I needed to give this a lot of thought and consideration, maybe even seek legal advice, before I agreed to consent to his plan. At which point he blew up, started yelling at me, and then hung up on me when I calmly told him to not raise his voice to me.
So here's the thing. Why the urgency, why would he need to take out life insurance on me RIGHT NOW? This is the type of decision that any rational adult would need to think over and not just jump into without weighing all the pros and cons. My husband said it made him wonder if my son has something up his sleeve. And while I can't believe, or don't want to believe, that he could be hatching something nefarious, I don't really know his situation. If it's desperate enough, well....anything might be possible. I even considered the possibility that he might try to somehow get a friend to pose as me on the phone and/or forge my signature or falsify the application some way and I might never know about it (which of course would be insurance fraud)
Thoughts, anyone? by the way I have not talked to him since he hung up on me, nor will I answer the phone today if he calls. I normally go 2 or 3 days of not taking his calls when he's hung up on me, but if he calls tomorrow I will, since it's Thanksgiving. Maybe.
But here's the question. The other day we were talking about life insurance and he told me that he has decided to take out a policy on me with himself as the beneficiary. (I did some research and there are limitations and caveats so he may not be able to...at least not legally) I did read that I would have to give my consent for him to take out a policy in my name. Yesterday he called to inform me that he had talked to an insurer (not sure which company) and that I needed to be on the phone with him and the insurer, and he wanted to make the call right then and there. Now, I don't have a problem with this per se, but I did tell him that I needed to give this a lot of thought and consideration, maybe even seek legal advice, before I agreed to consent to his plan. At which point he blew up, started yelling at me, and then hung up on me when I calmly told him to not raise his voice to me.
So here's the thing. Why the urgency, why would he need to take out life insurance on me RIGHT NOW? This is the type of decision that any rational adult would need to think over and not just jump into without weighing all the pros and cons. My husband said it made him wonder if my son has something up his sleeve. And while I can't believe, or don't want to believe, that he could be hatching something nefarious, I don't really know his situation. If it's desperate enough, well....anything might be possible. I even considered the possibility that he might try to somehow get a friend to pose as me on the phone and/or forge my signature or falsify the application some way and I might never know about it (which of course would be insurance fraud)
Thoughts, anyone? by the way I have not talked to him since he hung up on me, nor will I answer the phone today if he calls. I normally go 2 or 3 days of not taking his calls when he's hung up on me, but if he calls tomorrow I will, since it's Thanksgiving. Maybe.
