Does A Spouse Have To Sign A Life Insurance Policy? 
The Insured person and policy Owner are required to sign the life insurance application , so if one spouse is taking out a policy on the other , both need to sign . If a married person takes out a policy for which he/she is both Owner and Insured , the spouse does not have to sign the application . If the spouse is POA , Guardian , or other legal representative for the Insured person , the spouse may need to sign for the Insured . Another situation in which a spouse might need to sign is if the Owner or Beneficiary of the policy is a trust for which the spouse is a Trustee . 