What happens to my spouse rider in my life insurance policy after divorce?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 15, 2021

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A spouse rider is a death benefit for a spouse that is part of an existing policy rather than a policy of its own. After a divorce, there is no longer any spouse to be covered by the rider so it would lapse (you’ll likely need to send your insurance company a copy of your divorce decree to eliminate the provision). Your premium will be reduced after the lapse and you would no longer receive a death benefit if your former spouse should pass away

If your former spouse needs life insurance, take a look at your individual policy to find out if there are any conversion provisions that he or she can take advantage of.

If you have a child rider, there would be no change to the rider as a result of your divorce.

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