Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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get life insurance without the person knowing

To protect everyone, you can not get life insurance on someone without them knowing that you are doing so. Some people may want to take a secret life insurance policy out for good reasons, others for not so good reasons. Either way, it doesn’t matter because you cannot get life insurance on someone without them knowing it.

The following information provides more details concerning this topic including why someone must know about a life insurance policy that is in their name.

Once you have completed reading through this article then be sure to enter your ZIP code above for FREE insurance rates!

Why can’t you get a life insurance policy on someone without them knowing?

First, let’s explore the idea of why someone would want to take a life insurance policy out on someone without that person knowing. Of course, negative reasons come to mind such as they are planning on causing that person’s death or they know of events that will result in that person’s death.

This idea has been brought to light by news reports of spouses taking out life insurance policies one each other and then committing murder to get the benefits, but this is really rare and more often a movie of the week than real life.

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Motives Behind Taking Out Life Insurance Policies

In most cases, the motives of someone are pure. There are many reasons why someone may want to take out an insurance policy on someone without them knowing about it. It could be a parent who sees their married adult child struggling to make ends meet and so they want to take out a life insurance policy to protect their grandchildren should something happen to the parents.

It could be an adult child who sees an elderly parent failing and wants to make sure the other parent is taken care of. In these cases, or in ones like it, the person in need of the policy may not be getting one because they can’t afford it and would be embarrassed if a family member or friend offered assistance.

But taking out a life insurance policy on someone without their knowledge is against the law and the only way it can be done is by fraudulent means.

get life insurance on someone

Getting a life insurance policy, in most cases, requires a medical exam of the person obtaining the policy.

This obviously cannot be obtained without a person’s consent and proof of identity must be given. Also, the person named on the policy must sign the policy acknowledging the fact that the policy has been read and agreed to.

Forging someone’s signature is illegal, will render the policy invalid, and could result in jail time for the forger.

If a well meaning friend or family member wants to help someone by taking out a policy, they can present it to the person and offer to pay. Another idea is to give the idea of a policy as a gift. Or, a trust fund can be developed to care for those left behind.

There are many ways to care of a person besides trying to get them a life insurance policy without their knowledge.

Be sure to compare insurance policies by using the FREE tool below!

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Investigate Any Suspicions

If you suspect that someone has taken out a policy on you without your knowledge, you should investigate it immediately. The best way to do this, if you don’t know the company involved, is to contact the Medical Information Bureau.

The Medical Information Bureau keeps track of fraudulent activity in the life insurance industry both on the part of customers and insurance companies. They will be able to look up your name and see if there are any life insurance polices in your name.

As stated before, it is illegal to take a life insurance policy out on someone without their knowledge, so if you suspect this, report it to the police as well.

The police will likely refer you to another agency, but having a police report on file is the first step in the investigation. If you are on the other end of the spectrum and would like to get a life insurance policy on someone who is not willing, remember there are other means of providing benefits in the event of their death.

A life insurance expert is the best person to contact in order to understand the ins and outs of life insurance policies. Narrowing down the companies that you are interested in can be done by entering your information into an online comparison tool. Once you enter your information, you will receive rates and quotes from several companies that you can compare.

Click the FREE life insurance tool on this page to start searching right now!