Can I Get Life Insurance On My Dad Without Consent? 
Normally , the insured 's knowledge and consent is needed . But , today , there are a growing number of accidental death and no-exam policies in the marketplace in which a policy on another person can be bought online or by phone without the insured 's knowledge or consent , with or without fraud . I know because I 've been a murder trial witness in 3 cases over the past 4 years and it 's no fun . At our agency , all calls are recorded and all 3 charged were convicted in less than 4 hours ' time . But our phone agents were duped and did n't realize that they were not talking to the insured . Sadly , the total number of murders of a relative in order to gain life insurance proceeds is very common in the U.S. today and almost never talked about . Just Google `` life insurance murder '' and you will be shocked at what comes up on a daily basis . Three doctors in my family have reported for years that relatives who stand to gain insurance proceeds are often too anxious to `` unplug '' a loved one when a coma situation exists . Sad stuff . It 's safest for all concerned that the insured always have knowledge and consent to the life insurance being bought . 