Can I Get Life Insurance On My Dad Without Consent? 
No , you ca n't get life insurance on your dad without his consent . If you are trying to secure some funding for final expenses when your father passes away , here are some tips that might help him consent to your purchasing coverage on him . 1 -RRB- Tell him you love him , and what a good provider he has been for your family . 2 -RRB- Maybe bring up a situation that caused you to think of buying life insurance for him . E.g. . When a friend or uncle died . And how it got you to thinking about what you would do if your father died . 3 -RRB- Explain that life insurance pays a death benefit quickly , without going through probate . This allows survivors to pay bills quickly and focus on supporting one another , rather than worrying about how to pay the bill . 4 -RRB- Use a simplified or guaranteed issue policy that does not ask a lot of health questions and does not need an exam . If you use a policy that pays the death benefit from day one , you will need to get your father 's health history . If guaranteed issue policy , it will be graded , but he can not be declined . 5 -RRB- Make sure he understands what will be required , be that a phone interview , drafting from his checking account -LRB- unless you are paying the premium -RRB- , etc. . With guaranteed issue policies , nothing is required but his signature on the application . 