Can I Take Out A Life Insurance Policy On My Son Without His Knowledge? 
You can not legally take out a life insurance policy on your son without his knowledge , if your son is an adult . The law dictates that adults have the right to know of , and to consent to , life insurance policies out on their lives . But would your son object to you taking out a policy on him ? Accidental death policies do not need any medical requirements , and he could get life insurance that would not require an exam . 