How To Get Life Insurance For Someone Else? 
To get life insurance for someone else , the other person needs to know that you are getting the policy , agree to it , and sign the application . Then they must participate in the underwriting process , whether that be take an exam , do a phone interview , or provide access to medical records , if needed . Some policies do not require any exam , medical records or phone interview . You can make yourself the Owner of the policy if you have an insurable interest in the Insured person . I.e. . You provide or pay for some of their care , you have loaned them money , they live with you , etc. . Or they can own their own policy . Either one of you can pay for it . 