A. First of all, just as with any other property, you need to determine who will be the owner of your various insurance policies. Secondly, if both spouses and children are covered under a group health plan, how will they be covered after the divorce? Thirdly, consider what will happen to the income from the support order or alimony if the provider should die.

A. The owner controls the policy and has the right to name the beneficiaries. For instance, your spouse may be the current owner of a life insurance policy that has you named as the beneficiary. This means that your spouse could change the beneficiary at any time, contrary to what you might desire or need.

A. Divorce is a qualifying event for benefits under COBRA, so named after the act of Congress that created it. But, this is just an interim measure. Ask your attorney whether the divorce settlement can include a provision for health insurance, especially if either spouse can provide it at a reasonable cost through group coverage. Finally, you may need to purchase additional health coverage to protect yourself and your children.

A. You should ask your attorney whether the divorce settlement will include a provision for life insurance on the provider, to protect the support order or alimony. If not, you can obtain competitive life insurance quotes here.

A. Here is a life insurance calculator to figure the amount of insurance needed to replace the provider’s income.

A. This life insurance estimator searches an industry database and returns your lowest rate.

A. Your personal and family health history are big factors in determining the rate class under which you can purchase life insurance. You may not qualify for the lowest rate. Ask your agent to evaluate your underwriting profile.

A. You can find out more about life insurance, and apply online at BudgetLife.