Life Insurance - Include ALL pages?

[Axle314 12]

So I have Life insurance, that includes coverage for both my wife and I, with me being the primary account holder ( it's through work)

 

Here's my question - The Certificate of Insurance doesn't imply or say that my wife is covered, whereas later on in the policy ( AFTER the table of Contents showing all 40 pages), it'll say that my spouse is covered. The rest of the policy is well, Legalese.

 

When should I ignore the " Include every page rule?" I know if I ignore it, it could lead to an RFE, but it feels like such a waste to include information about Life Insurance when all I wanted to do was prove we had Life Insurance for one another.

[Sukie 1,440]

8 minutes ago, Axle314 said:

So I have Life insurance, that includes coverage for both my wife and I, with me being the primary account holder ( it's through work)

 

Here's my question - The Certificate of Insurance doesn't imply or say that my wife is covered, whereas later on in the policy ( AFTER the table of Contents showing all 40 pages), it'll say that my spouse is covered. The rest of the policy is well, Legalese.

 

When should I ignore the " Include every page rule?" I know if I ignore it, it could lead to an RFE, but it feels like such a waste to include information about Life Insurance when all I wanted to do was prove we had Life Insurance for one another.

You can always copy the first page, the table of contents and the page where it says she is covered.  If you have lots of other financial co-mingling evidence, then those pages should suffice.  Does your employer give you a "Summary of Benefits" statement every year (mine does)?  That way, if you are using payroll deduction for medical/dental/life/legal insurance, it's a great piece of paper that documents it all!

 

Best of luck on your journey!

 

Sukie in NY