Ask the Life Insurance Expert
My mom and dad are divorced. Is there any way for me to get a life insurance policy on either of them, and if so, would they HAVE to know?
Don't waste any time trying to buy a life insurance policy in secret.
Policy applications require signatures of "the insured" for things like medical records releases. Insurers often also require a medical exam of the insured, depending on what kind of policy you buy, so your parent will surely be tipped off when someone comes to the house to take their height, weight and blood samples.
That said, you likely have "insurable interest" in your parents lives and thus can own policies on their lives.
Here's more on the hurdles to buying secret life insurance.