Home Life insurance Life insurance questions Can someone take out a secret life insurance policy on you? Can someone take out a secret life insurance policy on you? By Desiree Ghazi | Updated on July 10, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. If you’re worried about someone taking out a life insurance policy on you without your consent, you can rest assured that it’s highly unlikely. While many policies require a medical exam for the insured, even no-medical exam policies are difficult to forge. This is because the insured is required to sign a consent form for the release of medical records and they also need to sign the final policy paperwork. If someone forges your signature, it is considered fraud and they could face federal penalties. Who can take out a life insurance policy on you? For someone to take out a life insurance policy on your behalf, they must have an insurable interest. For example, a spouse who relies on your income to survive has insurable interest on you. In other words, your neighbor can’t take out a policy on you. But, they still can’t take out a life insurance policy on you without your consent. You will need to approve of the policy and sign the final paperwork. The only instance when someone can buy a life insurance policy on you without your knowledge is if you are a minor. For example, parents can buy a life insurance policy on their 15-year-old child without their signature. How to tell if someone took out a life insurance policy on you If you are concerned that someone took out a life insurance policy without your consent, you can search to see if there are any active life insurance policies in your name by using NAIC’s life insurance policy locator. × Get Free Life Insurance Quotes Today! Zip Code Please enter valid zip Age Age 16 – 20 21 – 24 25 – 34 35 – 44 45 – 54 55 – 64 65+ Coverage Amount Coverage Amount $50,000 – $100,000 $100,000 – $200,000 $200,000 – $300,000 $400,000 – $500,000 $500,000 – $1,000,000 $1,000,000 – $2,000,000 $2,000,000 – $5,000,000 $5,000,000+ Coverage Type Coverage Type Whole Life Term Life Final Expense Not Sure Gender Gender Male Female Non-Binary Tobacco Use Yes No Compare Quotes QuickTake What is demutualization and what does it mean for policyholders? 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