text: can you buy life insurance on anyone? for example: someone you know lives a dangerous lifestyle?   generally no. you cannot buy life insurance for anyone. you must have a relationship with such person. there must be insurable interest.  someone who lives a dangerous life like a active duty military personnel, a pilot, someone who does extreme sports, etc, are usually not insurable by any insurance company. though some will do it, but you will have to pay a very high premium.  there are questions on the life application that the agent must read. if the person you are trying to insure matches any of the dangerous occupations, then the agent must not go further in the application.