Can I Take Out A Life Insurance Policy On My Son Without His Knowledge? 
If your son is between dependant age of 0 to 25 years then you may take out the policy without his permission . As he would be dependent on you for support . You will an the policy and be the payor . He would be rated at a preferred rate and guaranteed insurable for when the age of 25 is reached he would would have to own his own policy and would receive it guaranteed . The rate would change for he would need a higher face amount since there is a limit on how much he can be insured as a dependent . 