Collecting Life Insurance: Under 18, Gay Couple: Marriage. EDITED?

Hello,

In recent times, It seems I have meet a nice partner who I wish to spend my life with. However, he relived some news to me - it seems he needs a heart transplant.

He has faced a long past of abuse, he was also almost murder twice by his ex-partners. One made him food and spiked it with his psych medication, causing him to have multiple heart attacks and damage to the rest of his boy and lungs. This is why he will need the transplant.

There is good news. The Japanese Company he works for has found him a heart. So he will be having the transplant In Tokyo Japan. However, because of his past and current mental and physical shape, there is a higher risk of death and rejecting of the heart, so he will be adding me to his life and life insurance and owner of his house, current money and other assets.

We run into some other problems. I don鈥檛 know how life insurances work, but I am under 18, I am 17, and my partner is 19. I don鈥檛 think there is anything wrong with this age difference as I feel I am intellectual enough to understand who I should and should not be with.

We also talked about me moving in with him. He has a house, car, and a job. I don鈥檛 have a problem with this, I can just continuing schooling over there, and then college.

However, his company may want him to move to Japan, and I would be coming. I don鈥檛 know what I would do about schooling over there though, but we can worry about that later.
This is not a fake story, but a real event in my life.

Please and thank you for any information on this problem. There e is no need for negative comments please. Sorry for some of the errors in my last treads. I was writing from my Laptop and classes was about to end.

If he already has life insurance in force, then he can call the insurance company and ask for whatever beneficiary change forms, they need so that he can fill them out as he wishes -- if that includes adding you as the beneficiary so be it, but be aware they may want a reason that he's doing so.

I would most definitely suggest that he also seeks the advice of a competent estate attorney or estate specialist before he adds your name on to any of his assets so that you can make sure you both understand any possible tax consequences that may arise from that. This is not something to do from a do-it-yourself book at the library. Every state has different laws and then you also have to deal with federal tax law.

You simply want to make sure that things are done correctly for both your sakes. Good luck.