Can Someone Get Life Insurance on You Without Your Permission?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Can Someone Get Life Insurance on You Without Your Permission?

No, it is not possible for someone to legally obtain a life insurance policy on you without your permission. Life insurance policies require the consent of the person whose life is being insured. This is primarily to protect individuals from potential fraud or exploitation.

There are several reasons why consent is necessary:

  • Underwriting Process: The insurance company needs to assess the risk associated with insuring a person. This process often involves medical exams or health questionnaires that the insured must complete.
  • Legal Requirements: Most countries have strict legal requirements that prevent someone from insuring another person’s life without their knowledge or consent.
  • Moral and Ethical Concerns: Allowing someone to insure another person’s life without their consent raises significant moral and ethical concerns, particularly regarding privacy and personal rights.

What Are The Exceptions

  • Parents and Minor Children: Parents can usually get life insurance policies for their minor children without the child’s consent.
  • Business-Related Policies: In some business scenarios, a company may take out a policy on a key employee, but this requires explicit consent and proof of insurable interest.

Why Consent is Crucial

  • Prevents Fraud: Requiring consent helps prevent fraudulent activities where someone might benefit financially from another’s death.
  • Ensures Awareness: It ensures that the person being insured is aware of the policy and its implications.

Life Insurance Consent Requirements

ScenarioConsent RequiredReason
Adult Insuring SelfYesPersonal Consent
Adult Insuring Another AdultYesLegal and Ethical Reasons
Parent Insuring Minor ChildNo (Parental Rights)Guardian’s Consent Suffices
Company Insuring EmployeeYesInsurable Interest & Consent


In summary, obtaining a life insurance policy on someone else without their permission is not legally permissible. This requirement is essential to safeguard individuals’ rights and prevent potential misuse of life insurance policies. Understanding these rules helps ensure that life insurance serves its intended purpose – providing financial security and peace of mind.

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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