Failure to obtain consent is considered insurance fraud and will invalidate the policy. Who You Can Typically Insure Can You Take Out a Life Insurance Policy on Anyone? - Ethos
They must give permission for the insurer to access their medical history and often must undergo a medical exam. can i buy life insurance on someone else
Common examples include spouses, minor children, business partners, or people with whom you share a mortgage or debt. Failure to obtain consent is considered insurance fraud