My Mother-In-Law Wants To Take A Million Dollar Life Insurance On My Husband r/Relationships

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[00:00:53] Let's crack on with today's first story. Much love guys. Today's first story comes from

[00:00:59] Mother in Law Want Life Insurance who says,

[00:01:03] My 25 female, mother in law 45 female want to put a million dollar life insurance policy on my husband,

[00:01:10] 27 male and didn't want me to know. Okay, this is going to sound crazy. Believe me,

[00:01:17] I know it is. That's why I'm asking for advice.

[00:01:21] So my husband and I have been married for a little less than a year and together for seven years.

[00:01:26] His mother in law is pretty insane. She is a hoarder, extremely needy towards her son,

[00:01:32] a liar and willing to do anything to make any situation full of drama and about her.

[00:01:38] I really do not know where to begin with this. My husband's mother has always been off.

[00:01:44] So we have kept her at arm's length in our life for that very reason.

[00:01:49] She is a hoarder, always trying to get money out of people and play the woe is me card to get sympathy.

[00:01:55] Well, this morning she called my husband and has been talking about opening up a life

[00:02:00] insurance policy on him for about $1 million. She wants to pay into this 100% and be the

[00:02:06] sole beneficiary through the policy. Now, my husband is an extremely healthy man and

[00:02:12] his mother is not. She is overweight, has diabetes and does not want to take any medication for it

[00:02:19] or attempted to improve her lifestyle for it. She is not any way dependent on us or even lives near

[00:02:25] us. She is about a three hour drive away and she lives with her mother. My husband found the

[00:02:31] entire thing extremely amusing. It has me extremely uneasy. She knows his social and information.

[00:02:39] I'm sure if she wanted to, she could easily do this. But the thing that wrote me the wrong way is

[00:02:43] she keeps saying, I want to make sure I am financially set when you die. It says nothing

[00:02:48] about the family he is creating or anything. She just wants to make sure she can take care of

[00:02:53] herself with all the money when he is dead like it is a for sure thing he's going to be

[00:02:58] dead rather soon so she can bank in on it. She also told him, make sure you don't tell

[00:03:03] your wife. You know how people get when they find out you have a hefty life insurance policy.

[00:03:08] You wouldn't want her to try and murder you. Seriously, what the fuck? I really don't know

[00:03:14] what to do. I've tried explaining we need to go no contact with my husband but he keeps saying I

[00:03:19] shouldn't worry because there isn't anything she can do and to just ignore it and she'll find

[00:03:24] another get rich quick scheme. I guess I'm just looking for advice on what I can do. I mean,

[00:03:29] can she do that? Should we allow it? What do you guys think? Edits. We also plan on getting

[00:03:36] our own health insurance for each other in case of anything happens to us. So our kids will be okay

[00:03:41] when we have children. Now, I don't really know much about these insurance policies and

[00:03:46] things like that but surely she would need his signature for this anyway? And maybe I've seen

[00:03:51] one too many of these true crime documentaries but it's given me serious vibes there. You know,

[00:03:59] OP said that she's in poor health. There's no way that she's going to outlive her husband who

[00:04:02] seems healthy. Very unlikely anyway. So it feels like he's going in that direction which just sounds

[00:04:09] absolutely insane. Yes, you're absolutely right. No contact with this person. Get away from them

[00:04:13] as far as possible because this is going in the direction of unhinged. But in the comments,

[00:04:19] my opinion is valid says I fear for him but I watch a lot of the ID channel.

[00:04:24] Aptor replies that's him. My first thought when I read this was

[00:04:27] I hope you enjoy getting interrogated when he turns up dead lol. OP says writes I watch so many of those

[00:04:34] types of shows and my husband is saying I'm just paranoid. Atomic replies that saying dude

[00:04:39] she's an older woman in poor health taking a life insurance policy out on a healthy young son.

[00:04:45] The only way she's going to collect if he dies of misadventure or if struck down by some disease.

[00:04:50] It doesn't depend on him now in any way. So I wish he need to be taken care of when

[00:04:55] he dies. She's either crazy or evil or evil and crazy.

[00:05:01] Carrie 19 says a million dollar policy would be very expensive and she afford that to get a

[00:05:07] policy like that I'm pretty sure the insurance company would require your husband to go through

[00:05:11] a physical exam. He could just refuse. OP says I don't think she could afford it and keep up

[00:05:17] with the payments honestly. She does have a full time job but she is a hoarder and it's

[00:05:22] horrible with money. She keeps telling him that she wants to invest in his life insurance because it

[00:05:27] will make her financially stable when he dies. He's only 27 and he is very healthy. That's what

[00:05:33] is extremely bothersome about the situation. OP also added another comment saying yet

[00:05:38] she doesn't believe she will die before him. Swedish says this starts my spidey senses

[00:05:44] tingling. It sounds like something from an Ann Rulebook. I think that both you and your

[00:05:49] husband need to take this very seriously and speak with a lawyer. Perhaps a lawyer could send her a

[00:05:53] letter stipulating that she's not permitted to take out this policy. Let mother-in-law know that

[00:05:58] she'll be implicated if husband meets with an accident of some sort. It could save his life.

[00:06:04] I fear that she is either malevolent or batshit crazy. Be on your guard. One final comment from

[00:06:10] Anglerfish Tacos who says I'm no expert on life insurance but from what I do know

[00:06:14] I seriously doubt that your mother-in-law has the finances to pay for a million dollar life

[00:06:18] insurance policy. Even if she would be able to get one starting at a million instead of working her way

[00:06:24] up but have extremely high premiums. However, if she does have the funds I still don't think

[00:06:29] she should be able to do it. My understanding is that for life insurance you need to have some

[00:06:33] type of dependency on the person and your mother-in-law is not. Also a lot of life

[00:06:38] insurances if you go right off the bat to a million will require health checks and access

[00:06:43] to medical records which HIPPA or HIPPA requires forms and such to be signed by your husband.

[00:06:50] So I doubt she'll be able to take out a policy just on her own. So OP comes back

[00:06:55] him with an update and says so I'm back with an update from my previous issue here.

[00:07:00] Well today I was out with my husband running errands. His mother continued to call him and

[00:07:04] text him. He's been ignoring her since the issue of her trying to get into allow her to

[00:07:09] take out a million dollar life insurance policy on him. One of her texts got him to call her.

[00:07:13] She had been in a car accident over the weekend so he calls her and she tells him about how she

[00:07:18] supposedly fell asleep at the wheel of her car and hit a cement median ruining the passenger door

[00:07:24] inside of her car. And she ends up trying to request that he puts her car on his insurance.

[00:07:30] That's his car now and give her permission to drive it so that she does not have to pay

[00:07:34] increased insurance prices that her insurance is charging her now. What the fuck right?

[00:07:40] But when he tells her he is not going to be doing that,

[00:07:42] they start again into a heated argument and she brings up the life insurance policy again.

[00:07:48] Well in the midst of it as some of you had predicted he called her out saying

[00:07:52] I bet you're just planning on taking it alone on the health insurance so you can get rich

[00:07:56] quick. And read it? She admitted to it. She told him that was her plan all along.

[00:08:02] She was going to take out the life insurance policy, pay it for a few months until she could

[00:08:06] take out a large loan against it and then stop paying. My jaw just dropped when she proudly admitted

[00:08:12] to it. Well my husband told her off and now we're going no contact. She's extremely angry and has

[00:08:19] basically said she has ruined any relationship they could possibly have with one another.

[00:08:23] I'm honestly very sad for my husband. I know it must be hard having a mother who cares about

[00:08:28] only herself but luckily he does have his father and stepmother who've been very loving and supportive

[00:08:34] through this horrible situation. I just thought I should update you all since a lot of you predicted

[00:08:39] this is what is going to happen. Thank you everyone for your advice. My husband and I plan on taking

[00:08:45] out life insurance policies on each other as we move forward from this and will be going no

[00:08:50] contact with his mother from now on. CLDR, my husband's mother-in-law was not planning

[00:08:56] on murdering him for the life insurance policy but instead taking a loan out against it that she

[00:09:00] never intended on paying back. My husband and I have decided this is in our best interest just to

[00:09:05] go no contact with her. A couple of the top comments from that, Teardrop says wow I suppose

[00:09:11] the loan is better than plotting his murder. That still sucks though. Take some time to

[00:09:16] grieve for the relationship that could have been then carry on enjoying life. OP says yeah

[00:09:21] I can tell it really hurt my husband yesterday. I tried talking to him about it but he ended

[00:09:26] up calling his father before he went to sleep and just talked to him about the situation.

[00:09:31] My heart really hurts for him right now. A deleted user says keep a close eye on your credit

[00:09:36] she may decide to try and take stuff out in your name and you never know what she may know.

[00:09:41] OP says yes we've been keeping an eye on it since this situation started

[00:09:45] and we plan on continuing that. XLV says I genuinely thought she was planning to murder

[00:09:50] your husband and OP said believe me so did I. Terra Farmer says that is so sad that she is

[00:09:55] capable of such behaviour. Thanks for the update. OP says yeah I know my mom and I are close and I

[00:10:02] cannot imagine her doing something like this where we would go no contact. Luckily my husband's

[00:10:06] to us is father and stepmom. Hey it's Paige DeSorbo from Giggly Squad. High quality fashion without the

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[00:11:06] That's amazon.com slash comedy ad free to catch up on the latest episodes without the ads.

[00:11:14] And there was also a lot of comments saying you know this was just an incredibly dumb plan

[00:11:18] all along that some companies make you wait a long time before you can actually take a loan

[00:11:23] out against the policy anyway and an absolute no contact situation from that horrible person.

[00:11:30] But what do you guys make of this situation? Would you be able to apply for that sort of thing

[00:11:36] anyway? Let us know your thoughts down in the comments below and let's move on to another story.

[00:11:43] Now before we do get into this story it is a story that we have covered in the past about

[00:11:48] a little while back now but it's come in with a new update so as always I read the previous

[00:11:53] parts of the stories that there will always be timestamped down in the description so you

[00:11:57] can skip certain parts go straight to the new update if you remember it previously totally up to

[00:12:02] you but it's all there and let's crack on with it. And our next story comes from general nothing

[00:12:08] 5798 from the Am I the arsehole and the daddit subreddits and says am I the arsehole for not

[00:12:14] wishing my mom a happy birthday and then not letting her come to our house? I 25 male have

[00:12:21] a wife 24 female for the sake of the story let's call her Amelia. Amelia and I got married two years

[00:12:27] ago coming up to three years in June we have recently just had our first baby a beautiful baby girl

[00:12:35] my mom was never a huge fan of my wife for reasons I will never know but I don't care as I love

[00:12:40] Amelia so much that I've had to defend her against my mom multiple times my wife's labor

[00:12:46] lasted much longer than we expected she started on Thursday evening and delivered our baby on Monday

[00:12:52] during the very early hours of the morning oof as you can imagine it was a long process and she

[00:12:58] was exhausted and so was I as I wasn't sleeping unless she was asleep my mom's birthday was on

[00:13:05] the Saturday and she had a whole party planned out Amelia at this point was in awful pain very

[00:13:10] consistently meaning I was constantly by her side doing whatever she needed me to do

[00:13:16] meaning that the Friday night we got no sleep so when Saturday came around we both were fighting

[00:13:21] the sleep and could barely stay awake because of this I just completely forgot it was my mom's

[00:13:26] birthday as I didn't really look much at my phone and if I did it would be for entertainment for

[00:13:32] my wife and I together we both agreed beforehand that when the time came we would send the

[00:13:37] initial text that the baby was coming but that would be it and we wouldn't respond to any of the

[00:13:41] texts until after well my baby girl was finally born and we announced it to our family and I got to

[00:13:48] replying to my messages from the past few days and that's when I saw my mom text about it being

[00:13:53] her birthday and she sent a few more after expressing her anger for me not getting in contact

[00:13:59] so I called her up apologizing but explaining that I genuinely forgot and it wasn't intentional

[00:14:05] she went on to blame my wife by saying she purposely went into labor right around her birthday

[00:14:09] in order to steal a spotlight from her son which I found really weird to say

[00:14:15] from this comment alone I got annoyed and just told her to leave me and my wife alone

[00:14:19] and that she isn't welcome at our house for the next few days she can wait till she's over a

[00:14:23] fit to see her granddaughter my whole family has been calling me an asshole and that I'm a

[00:14:28] bad son for not remembering my mom's birthday but I'm an even worse son for not letting her meet

[00:14:34] her grandbaby it's annoying because all we want to do is enjoy our new baby together just the two of

[00:14:40] us without anyone being a bother so am I the asshole so I hope you responded to a couple of

[00:14:47] comments pine box waiting said not the asshole is cute that your mom thinks your wife is talented

[00:14:51] enough to go into labor on command it's bizarre that you're the only person in your family

[00:14:56] who realizes the world doesn't revolve around your mom keep to your boundaries daddy and congratulations

[00:15:03] opi says I mean I know my wife's amazing and all but she isn't that talented to go into labor on

[00:15:08] command but thank you so much pk worm says not the asshole your mom should have understood when

[00:15:14] you told her you were with your wife in labor not been bitching and accusing tell or message your

[00:15:19] mom that after how she stupidly insulted your wife specify that she accused your wife of

[00:15:24] choosing to go into labor to damage your mom's birthday party you will need an apology from

[00:15:29] her to your wife in person and on social media and sees you that request to all the family

[00:15:35] independent length says not the asshole you didn't intentionally forget your mom's birthday

[00:15:39] you're supporting your wife giving birth a difficult one at that that she could make your

[00:15:44] wife's difficult scary labor about her and have the audacity to say your wife planned that to

[00:15:49] steal your spotlight screams narcissists it's also completely normal to wait a few days for family to

[00:15:55] meet a new baby for fuck's sake everyone but you and your wife are arseholes here congrats on the

[00:16:00] new addition to your family that's just such wild thought processes isn't it your son's just

[00:16:08] had a child with his wife is you know it's been a hard labor and now he phones up to apologize

[00:16:13] you know but explaining what happened your first thought is she's trying to steal the spotlight

[00:16:18] for my birthday she's done this on purpose that is just absolutely crazy thinking to me

[00:16:24] and anyone defending that bullshit is just as crazy i'm trying to imagine like a family member

[00:16:30] in a similar situation you know they've just went through a difficult birth together and then

[00:16:34] they phone me up i'd be like oh how are you guys doing are you okay you know can i bring you

[00:16:39] anything not concerned about my birthday two people that you should love with all your heart

[00:16:46] just went through all this and you're just absolutely talking shite oh dear me but

[00:16:52] op did come in with their first update which says hi firstly i want to say thank you to everyone

[00:16:57] for your advice and it really made me realize how serious the situation is i took the advice

[00:17:02] and decided to post an instagram and facebook post before my mom got a chance to in the post

[00:17:07] i mentioned that my wife went through and purposely left in that she would never want to forcefully

[00:17:12] go through that in the post i mentioned what my wife went through and purposely left it in

[00:17:18] she would never want to forcefully go through that just to make it clear to my mom and family

[00:17:23] what the truth is we announced that whilst we soak up our newborn the uninvited guests won't be

[00:17:29] allowed in our home so please respect our privacy as we take their time as a new family this

[00:17:34] worked and i got a lot of friends and even some family commenting their congrats to us

[00:17:39] my mom has since asked when she can see her granddaughter and we have just said that she

[00:17:43] will see her when she fixes her attitude towards my wife as my baby won't grow up to see her

[00:17:48] mother treated like she's nothing also the fact that my wife never deserved to be hated in the

[00:17:53] first place we are going no contact for now and we are happy as we could ever be with our new

[00:17:59] baby girl about my family we have sent them a message with a full story and now they feel

[00:18:04] really awful about everything originally my mom told them that my wife got induced and

[00:18:09] that she took some medicine to slow down the labor i don't even think that medication exists

[00:18:14] because apparently that's what i said on the phone which is obviously not the truth

[00:18:19] and my mom started claiming that i did that to compete with her my sisters are only young

[00:18:24] and didn't question my mom but now have been nothing but supportive that being said though

[00:18:29] i still have my guard up for now just in case thank you then again for your advice and all

[00:18:34] your kind words to me and my wife we really appreciate it and we do have another update

[00:18:39] like a year later in a moment but whenever that sort of stuff happens the family takes

[00:18:46] the person who's clearly in the wrong side i always think what have they actually been

[00:18:50] told in the background what is going on there because you think anyone who's logically thinking

[00:18:56] and like all of us reading this right now thinking that mom is absolutely mad

[00:19:01] so for a whole family to take her aside just seems crazy in itself it happened we've seen it

[00:19:07] before in these stories as well but you would have thought a logical thinking person wouldn't

[00:19:12] that i lied the first post wasn't a year later it was there's a couple the first one was from

[00:19:18] dad at who is that this and that's a little sweet post that titled it i never knew i could love

[00:19:22] someone so much till my daughter was born and said my daughter is two and a half weeks old and

[00:19:27] i never felt love like this in my whole life i love every feature about this little human being

[00:19:32] her eyes are so beautiful and just melt my heart her little faces that she makes and noises are

[00:19:37] just to die for when i wake up in the night and see her no matter how tired i am i never get

[00:19:42] disappointed when she settles down in my arms like i'm her safe space as a guy i'm willing

[00:19:48] to admit that i have massive insecurities about myself like my nose and ear shape why do those

[00:19:53] features of mine just fit so perfectly on my baby girl i honestly am in baby glow and just want to

[00:19:58] snuggle her all day long until she's old enough to refuse my hugs and kisses i love being a dad more

[00:20:04] than anything in this world so then opi comes in with a year later updates as high so i'm the

[00:20:10] guy whose mom claimed that my wife went into labor on purpose near my mother's birthday so that my

[00:20:15] wife could steal the spotlight i forgot to text my mom happy birthday due to my wife being an

[00:20:20] active labor and being sleep deprived we decided to go no contact after our baby girl was born

[00:20:26] we plan to do that for a little bit however there's been a whole year my daughter turned

[00:20:32] one a few days ago it's just been the best year of my whole life she's just perfect however

[00:20:38] my mom never stopped with her attitude she was giving us meaning she still has not met her

[00:20:42] grandkid it's been a whole year and she still claims my wife went into labor on purpose

[00:20:48] my siblings that i do have contact with have met her and who adore their niece my mom still follows

[00:20:53] me on facebook i don't have her blocked on there but she's definitely upset that she hasn't met the

[00:20:58] baby yet her own fault thank you again for all the love and support it really was much appreciated

[00:21:05] i just can't believe for a second that it has been a year and a couple of the top comments

[00:21:10] from that one first comment says wow what a narcissist i'd be delighted if my daughter had a kid the same

[00:21:16] day as my birthday when she's older i think it'd be awesome to share a birthday with a grandkid

[00:21:21] stay strong dad hopefully she learns the air of her ways before it's too late if not you don't

[00:21:26] need that kind of negativity in your kids life gullible solution says my dad was thrilled when

[00:21:32] my sister-in-law went into labor on his birthday unexpectedly early traditional formal

[00:21:37] says i love that i share a birthday with my niece i'm told for birthday parties now but

[00:21:42] i get to go to hers and get cake and blue toys it's great and it's so much a lower pressure

[00:21:48] because everyone is watching her while i eat my cake and that's what it's really all about it's

[00:21:53] all about the cake and just think you're not seeing your grandchild because you've made

[00:21:58] this your hill to die on that you lied you caused pain and misery and you just won't accept

[00:22:05] fault although everyone else around you knows that you're in the wrong you won't just say you're sorry

[00:22:10] is there any way that i can start building some kind of relationship with you again

[00:22:14] you know op might not accept it they didn't have to accept it wife doesn't have to accept it

[00:22:20] but not seeing your granddaughter or your family because you've chosen this path is just

[00:22:25] it's fucking sad man honestly but it's her choosing in the end what do you guys make

[00:22:31] of this situation i'm glad that op is enjoying the family life it sounds like they got a great

[00:22:37] thing going on right now but let us know your thoughts down in the comments below and just

[00:22:42] a huge thank you from the bottom of my heart for getting involved in today's stories your love

[00:22:46] your support your time always means the absolute world to me so thank you so so much and

[00:22:50] hopefully i'll see you in the next one take care and much love

[00:23:21] day okay

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