oldfella1962
Senior Member
Okay, my wife is in the ICU and statistically won't come out of there alive. You know me - I googled the situation. If she does, her long term (that being lasting more than a few months) prognosis is not good. We both have term life insurance, and she is well under 70 years old. She will be cremated with no ashes retained. Anyway, if she has an 8K policy does that mean 8K is only for funerals/cremation or can that 8K be used in whatever way I see fit? When my mother died - living/dying in an out-of-state assisted living home) she had no life insurance that I know of, so I just don't know how it all works. Same with my wife's parents - no life insurance. Ergo I am clueless about all this. The hospital has all the legal help & counseling available, but I don't want to go into this without knowing what questions to even ask them. Sidenote she has no outstanding debt that I am responsible for so that simplifies things. So if anyone can help me avoid any legal & financial pitfalls I would appreciate it - thank you.