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Yes, you can take out a policy on him because you have an “insurable interest” in his life. 

You should start by getting life insurance quotes for a policy on him. You’ll need to know his current health history and his family’s health history (e.g. diseases in his family), among other basic questions about him.

But at a certain point he’ll need to become a willing participant. He’ll likely need to undergo a life insurance medical exam and sign a release for his medical records. If you want to avoid the medical exam part, you could do a guaranteed issue or simplified issue policy, but you’re going to pay more for those. 

You can be the policy owner (meaning you’re responsible for the payments and can make changes to the policy) and you can list yourself as the beneficiary. A life insurance agent can help walk you through the process.

Here’s more about life insurance policy roles.

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Penny Gusner


Penny is an expert on insurance procedures, rates, policies and claims. She has extensive knowledge of all major insurance lines -- auto, homeowners, life and health insurance. She has been answering consumers’ questions as an analyst for more than 15 years and has been featured in numerous major media outlets, including the Washington Post and Kiplinger’s.