Divorce and Insurance

Insurance Policies and Divorce & What You Need to Know

One topic couples often forget according to Davies & Co Lawyers is when making the decision to end a marriage are the insurance policies they owned or purchased during the marriage.  In the upheaval of a divorce, child custody issues, choosing a family lawyer and property division, it’s important to remember these important assets.  Each party should look carefully at the cash value of the policies and who are designated as beneficiaries.

What type of policies should you be looking for?

Health and Life Insurance:  The most important are life and health insurance because they are the policies most commonly involved in child support and alimony orders from the court.

Disability:  A close second in importance is disability insurance, although it’s less commonly a part of a divorce order.

Homeowners:  Homeowners (sometimes known as “hazard” or “liability”) insurance, as well as renter’s insurance, is important to account for because it safeguards the parties residences which are often the major assets in a divorce.

Automobile:  Finally, auto insurance is not only required by every state but also important to maintain as vehicles also become important in a division of assets.

A few definitions may also help when reading a policy:

Insured Party: this is the person whose life or property is the subject of an insurance policy.

Policy Owner: this is the person who owns the policy, and not necessarily the insured party.  An example might be parents who own a life insurance policy on a child.  The policy owner is the parent and the child is the insured.

Beneficiary: this is the person who is named as the payee (the person receiving money) of the insurance policy.

Premium: this is the amount of money the policy owner pays each month or year to keep the policy in effect.  The money is paid to the insurance company.

Face Value: this is the amount the insurance company promises to pay if  a certain event happens (death, disability, etc.).

Cash Value:  Some insurance policies also have a cash value which builds over time.  This usually happens with “whole life” or “permanent life” insurance policies.

Since life insurance is at the top of the list of important policies to account for in a divorce, you may need some more information about that type of policy.

Divorce Proceedings

Stressed over Divorce Proceedings?

Seek Assistance from Experienced lawyers

Divorce can be difficult to cope with both emotionally and financially and this is especially true if your partner was the dominant one who organised and handled everything in general. As top family lawyers Robertson Hayles suggest, opting for legal guidance can help you feel confident and empowered in the traumatic consequences of divorce. Each divorce is associated with its own unique challenges and some of the most common ones include financial settlements, custody of children, parenting orders, custody of pets and settlement of property.

It is probably a good idea to invest in affordable legal services to help resolve your problems instead of haggling over a few dollars here and there. In many cases, divorce tends to affect women more than men as career takes second place for many after marriage. Even when you get back to work after a few years, you may have missed many important career opportunities. Therefore, women often tend to be secondary bread winners. However, even if you have been in control of your career and finances, divorce proceedings prove to be expensive and whittle away at your hard-earned savings and monies.

Cost of Divorce

Reduce the Costs of a Divorce

Experienced family lawyers can help make the emotionally and financially draining process of divorce easier on you and your loved ones. Divorce is granted on different grounds including adultery, abuse, cruelty and so on and may also be granted on a ‘no fault’ basis. However, Australian courts may often require the spouses to live apart for a specific period before the marriage is legally dissolved. A reliable divorce lawyer proves useful while determining if your partner is at fault by examining the circumstances of the divorce. If the fault is proved, you may be entitled to higher levels of spousal support.


In certain cases, the marriage may not have been legally recorded, or the spouses may have overlooked important details. In such cases, the divorce lawyer will help you understand if annulling or voiding the marriage is a simpler solution than filing for divorce. It’s helpful to discuss these aspects with your lawyer as you can gain insights into the best options available to you. Divorce proceedings are often driven by irrational behaviour, unreasonable demands and poor communication which makes it an expensive and lengthy process. You lawyer can help you understand the pros and cons of decisions by explaining important issues. This could include child custody, spousal support, division of shared assets and so on. You will be in a position to make rational decisions based on mutual convenience for short and long term.

Family Law Act

Legal Complexities and Problems of Part VII of the Family Law Act

Part VII of the Family Law Act provides that it is impossible for a child to have more than two parents. Both the Commonwealth and State laws do not contain specific clarifications on the issue in question. To that end, it is essential to explore how the judges approach this problem. Specifically speaking, the court in Groth & Banks ascertained that the fact that a child has two parents who are his or her biological progenitors permeates the language of the Act.[1]

The primacy of biology in the ascertainment of who is a child’s parents has been displaced for many years by reason of various State and Commonwealth laws reacting to the challenges of artificial reproductive technology. However, it is also pointed out that the language of Part VII provides an insufficient recognition of the realities of certain modern families. Possible complexities and questionable matters may arise in cases where children are born from an assisted conception procedure. The issue of whether it is in the best interests of the child to spend time with a person is separate from the legal recognition of that individual as a parent.

Surrogacy-Law

Surrogacy and Parentage Under the Family Law Act

Surrogacy and parentage constitute two facets of Australia’s Family Law Act that require additional clarification, interpretation or possible reconsideration. To start with, specific sections of the Family Law Act are proposed to regulate various matters related to surrogacy and recognition, such as the recognition of parental status stemming from the use of surrogacy, etc. However, the wording of the statutory provisions does not always make it clear whether a certain part of the Act has application to a particular surrogacy related matter. In this connection, it is often vital to have recourse to case law.

The conventional definition of surrogacy under Australian case law is that it is an arrangement whereby a woman, the surrogate mother, consents to bear a child for another individual or couple. There is a wide range of legal forms of surrogacy under Australian law. Thus, ‘genetic’ or ‘partial’ surrogacy pertains to the engagement of the surrogate mother’s egg and the intended father’s sperm. On the other hand, ‘gestational’ or ‘full’ surrogacy means agreements whereby the surrogate mother does not provide her own genetic material for the purpose of conception.

Protective Order

Two Ugly Words: Protective Order

According to Family Lawyers Perth, one of the most common requests among family lawyers is the demand a protective order.  The reasons are as diverse and colorful as you can imagine.  Often a spouse wants to retaliate against the other after being served with papers.  Sometimes, papers aren’t even filed yet and a spouse discovers infidelity, or financial problems, etc.  The important thing to remember is that just because you want one doesn’t mean a court will grant a protective order.

Some Housekeeping Items:

There are many different flavors of ‘restraining’ or ‘protective’ order and it’s important to distinguish between them because each has different requirements and consequence and you don’t want to argue for something you don’t want or need.

Let’s focus on the most common type of order in divorces: Emergency Protective Orders.  This is a legal document that protects a victim of abuse who is also in a close relationship to the abuser.  Who can get a protective order?  Jurisdictions vary but in general you must satisfy the following requirements:

Shared Property

How To Deal With A Shared Property During A Divorce

Divorces are messy things, no matter how carefully they are planned. Even in couples who agree to go carefully so that they don’t hurt their children and so they can move on with their lives, property disagreements are common. Often, family lawyers need to be called in to mediate problems and to help the couple split their belongings fairly in court if needed.

Think about things ahead of time:

The easiest thing to do is undoubtedly to have paper agreements put into place during your marriage. For example, if one partner in the relationship puts the majority of the money into buying a house, then this should be written down and signed by both parties (under the watchful eye of a family lawyer of course). This document could then be used in a divorce court to make sure that and property divisions are done fairly and without bias.

Domestic Violence

What To Do If You Are A Victim Of Domestic Violence

Domestic violence is a problem which, unfortunately, affects thousands of Australians every single year. Many cases of domestic violence go unreported and unpunished, as victims feel that they were somehow at fault, or that the perpetrator made a mistake and won’t do it again.

Unfortunately, this can be a long, slippery slope. Many people get stuck in a cycle where domestic violence becomes a part of their daily life. Although they could escape with the assistance of good family lawyers, a lot of victims don’t realise just how much help is out there for them.

The First Steps

The first, and most important thing when it comes to dealing with domestic violence is talking to someone. Find someone that you trust – a family member or a best friend – and tell them what is happening. If you don’t have anyone who you feel comfortable talking to, find a reputable family lawyer. You will be able to confide in them with confidence, and they will be able to direct you and explain what you need to do next.

Property and Financial Issues

Property and Financial Issues After Separation

Legal effects of separation on proprietary and financial relationships between the spouses

As a matter of fact, separation necessitates dealing with a wide spectrum of proprietary and financial issues that stem from and are related to marriage. Specifically speaking, it is usually incumbent on the spouses to handle division of their property (assets) and debts. Australian law prescribes various means by which spouses can accomplish such division. First and foremost, spouses, to the same extent as de facto partners, are entitled to come to an agreement on how the property should be divided without having any recourse to court. Second, if the spouses arrived at a mutually acceptable conclusion, they can formalise their arrangement by filing an application for a consent order in the Family Court. Third, as an alternative, if the spouses are unable to reach a consensual arrangement, they may apply to a court for a financial order, such as the order pertaining to the division of property and payment of spouses or de facto partner maintenance.

Under Australian law, both the Family Court and the Federal Circuit Court are authorised to render orders in relation to financial matters following the breakdown of eligible de facto relationships. In like manner, the aforesaid courts have jurisdiction to make similar orders in cases where the parties are married, not separated. Previously, financial disputes between former de facto partners were usually decided by state and territory courts via the application of the law of the respective state or territory. Talking about superannuation, the superannuation splitting law recognises superannuation as a different group of property. This law allows separating spouses to value their superannuation and split superannuation payments, though such procedure is not mandatory.

children’s matters

Children Related Issues Under Australian Family Law

The regulation of children’s matters under Australian law has become a topic of vigorous debates and legal analyses. Thus, legal experts in Australia deem it wise to focus on a federal Status of Children Act in order to improve the regulation of various issues regarding the parentage of children. Per legal experts, it has become crystal clear that Part VII of Family Law Act does not perfectly fit to providing a definition of legal parentage for the purposes of Commonwealth laws in general.

The major objective of Part VII of Family law Act is the parenting arrangements for children when there is a dispute. Though the question of who is or who are a child’s legal parents is of huge importance, in terms of the Family Law Act, the considerations involved in determining what is in a child’s best interest in parenting disputes go beyond the determination of legal parentage. In this connection, the proposed federal Status of Children Act is aimed at providing a clear, consistent and accessible statement of the legal parentage of children for the purposes of all Commonwealth laws and for all courts that exercise federal jurisdiction. It is also expected that the Act will include all the existing parentage provisions in Part VII of Family Law Act. The last but not least, the Act is expected to provide a mechanism for the family courts to transfer parentage in surrogacy agreements.