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Can a person buy life insurance for someone without that person's knowledge?
Wiki User
∙ 15y ago
Usually, the life insurance company requires that the insured person provide information regarding their health, such as answering health-related questions on the application, take a physical exam, and sign the application for life insurance coverage. Because of these requirements, it would be difficult to take out a life insurance policy without the insured person being advised on the policy. However, some life insurance companies may offer simplified issue life insurance; such as, Globe Life for adults or children, Gerber, Colonial Penn, Garden State Life, etc. In this case you may have a parent buy a life insurance policy for their child, or an adult buy a life insurance policy for their spouse either online, over the phone, or through the mail. However, these policies still may require a signature from the person whose life is being insured. So, that being the case, it would seem possible, and legal, if life insurance companies who offer simplified life insurance policies are already doing it, in a way. I am not certain about the signature from the insured person. You should inform the person you are taking out a life insurance policy on.
Wiki User
∙ 16y ago
Wiki User
∙ 15y agoThe only way that you can take out life insurance without someone knowledge is if they are a minor and you are the parent. Any other way the person (Insured) must sign the application. These days Insurance companies are even strict on the owner of the Life Insurance for the Insured. There must be an Insurable interest.
Wiki User
∙ 12y agoIf you are referring to a minor childs GRANDMOTHER, no, she may not do so without getting the child's parents or guardians signature on the policy also. If the child were an adult, then the child would have to sign it.
Wiki User
∙ 15y agoOnly if the inured to be is a minor otherwise you would need consent in the form of a signature.
Wiki User
∙ 15y agoThey can if it is bought while you are a minor, otherwise it is insurance fraud and is illegal without your consent.
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