Our son had brain cancer for four and a half years.

I need to know if my ex of 38 years is legally allowed to take out an insurance policy.

He was never, ever involved in our childrens lives.

A man sits at his kitchen table with the spirit of his ex wife behind him.

He disappeared when our sons (twins) were 10 years old.

We did not hear from him until our sons were 18.

I paid for my sons life, college, funeral and burial expenses, etc.

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Can I get any money from my extremely rich ex of 38 years?

ALL he thinks about is money.

He lives in a gated Florida community where houses are $800,000 to $100 million.

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ALL his second wife thinks about is herself.

Even at my sons funeral she thought of only herself.

Is there any money or benefits from my ex for me?

-J.

Dear J.,

Youve experienced a heartbreaking loss.

What this means is that youd suffer financial harm in the event of their death.

Parents are presumed to have an insurable interest in the lives of their minor children.

In fact, some parents and grandparents buywhole life insurancefor infants as a hybrid savings vehicle and insurance policy.

Spouses are also presumed to have an insurable interest in each others lives.

Ex-spouses do as well in some cases.

But to buy life insurance on an adult, you also need their knowledge and consent.

But he would have needed their permission to buy a policy on them as adults.

Theres always the small chance your ex-husband could have taken out a fraudulent policy.

(MIBis an insurance consumer reporting agency previously known as the Medical Information Bureau.)

Probably not as good as youd like.

It always seems like an uphill battle to build (and keep) a decent amount in savings.

But what if your car breaks down, or you have a sudden medical bill?

Ask one of these companies to help…

The fact that he has remarried is irrelevant.

If your marriage lasted at least 10 years and youre not married, this could be an option.

make a run at limit the information you receive about him and his second wife.

Resist the urge to Google them or look them up on social media if you’re free to.

What you find will only make you angry.

You stepped up for your children and did the job of two parents.

I hope you take pride in that.

Send your tricky money questions to[email protected].

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