What happens to my spouse rider in my life insurance policy after divorce?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Jul 15, 2021
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
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.