Reviewing your insurance after you separate or divorce

Take care of your insurance needs after you separate or divorce. This could save you or your children from financial problems if you ever need to make a claim.

Make sure you update all your personal information on your insurance policies.

Life insurance

Consider getting a life insurance policy if you’re a single parent. This will make sure your children have funds if you die before they become adults.

Many child support agreements and court orders require parents to get life insurance. The other parent is usually the beneficiary in trust for the child or children.

Update your life insurance beneficiaries

A beneficiary is the person who will get a payment from your insurance policy after you die.

If you don’t remove your former partner as a beneficiary, he or she can get benefits even though you’re no longer together. In some cases, you may need to get your former partner’s consent to remove his or her name as a beneficiary.

Learn how to name a beneficiary on a life insurance policy.

Health insurance

You may need to get your own medical or dental insurance policy if you were covered by your former partner’s insurance policy. Check to see if your employer offers insurance coverage.

If you have children, you’ll need to decide whose health insurance will cover their dental and medical needs.

Car insurance

Inform your car insurance company if there’s been a change in:

  • who drives the car
  • how far you drive
  • how often you drive
  • where you live

Your insurance premiums may change based on this information.

Home insurance

When you move into a new home, make sure you have home or tenant insurance. Inform your insurance company who is living in your home.

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