How To Get Life Insurance On My Husband? 
Securing coverage on your husband is like securing coverage on anyone else - you must have an insurable interest to buy a policy on another life as well as their consent to take out a life insurance policy on them . From there , there 's different types of programs to consider -LRB- term vs. universal vs. whole life and whether you 're ok with taking an exam or are strictly against it - you 're generally paying much higher rates with non-medical policies and the face amounts under a single policy are going to be limited -RRB- The risk class your husbandqualifiesfor determines the final premiums that you 'll pay -LRB- in addition to his age and if he uses any tobacco products -RRB- - please note , the risk class from company ABC may not be the same risk class he gets from company XYZ . Every company has their own underwriting guidelines and views risk on medical histories differently . I recommend consulting with a knowledgeable independent agent who can shop the case for you and review multiple carriers ' programs as well as complete a life insurance needs analysis -LRB- if you would like to determine how much coverage you need and how long you need it for - you can also look at a combination of benefits -LRB- e.g. some term and some permanent -RRB- -RRB- . 