Can a person take out insurance without their knowledge or concent?

In the U.S. there are very few circumstances when someone can take out a policy on someone other than themselves, a few examples are: A parent or guardian can insure a child who is under 18 If you have power of attorney over someone (i.e.- a handicapped sibling) you can take out insurance on them. A good rule of thumb is that if YOU personally would experience a financial loss as a result of a persons death (if you would be responsible for burying them) and they are not legally able to take out insurance on themselves, you can insure them.