Confidential Life Insurance – Can I Insure someone without them knowing about it? 


Yes, you can now insure against financial loss as a result of the death of another person, with whom there is an INSURABLE interest, like alimony or child support without the insured person’s knowledge.

Additional  examples would be Bank Loans, Divorce Settlements, Investors, Business Managers/Agents, Movie Productions, Business Buy Outs/Buy Ins, Surrogate Mother Contracts


Can one get a policy on their Mother who would refuse to take a physical?


Is there an insurable interest? 

My mother is 74 years old and has always been in good health, but in recent months her health has taken a turn. She refuses to seek medical treatment and has not been to the doctor in probably 45 years. There has been no diagnoses and there are no medical records. She essentially is penniless and when she passes away the burial and other expenses will fall on myself and other siblings. As mentioned, she will NOT go to the doctor, so a medical exam is out of the questionnor would she ever consent to a life insurance policy being taken out on her (as she does not think she will ever die).

Am I able to purchase a policy without her getting an exam and without her signature to protect myself?

***Maybe.  The FIRST question though, is, are you willing to pay the standard premiums for a guaranteed issue graded benefit plan?

2nd, we do have a confidential policy available, just for conversation sake, let’s say the premiums are double what a policy that your Mother would sign for would be.  Would you pay that premium?

Life Insurance without the Covered Person knowing

confidential life coverage - someone owes you money

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When a loved one dies  AIG
Steps to settling an estate
Locating Important Papers

Brochure when a loved one dies

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Tools to help you figure out how much you should get

Life Insurance Buyers Guide

CA Department of Insurance

NAIC Buyers Guide

NAIC Life Insurance Buyers Guide

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Life Screening Form

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