As a single parent can I take out a life insurance policy on my child’s other parent in order to benefit my child

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Sep 15, 2020

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You can never buy a life insurance policy for another person unless they give you permission to. The insured must agree to be insured and authorize the release and review of their personal medical records before an underwriter can review the policy and determine whether or not to approve it. It’s natural to be concerned about the welfare of your child and to ask how the child’s other parent will help provide for them. Having life insurance coverage and designating the benefit to your child will provide child support and education expenses if the child’s other parent should die while the child is a minor. If you are concerned about the likelihood of the child’s other parent keeping the policy current then you may be able to have certain life insurance requirements built into the custody agreement.

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