Helping a parent apply for life insurance may be possible, but consent, ownership, beneficiary, and eligibility rules depend on the insurer, policy, and applicable law.
Discuss the purpose with your parent and ask the insurer or licensed agent who may apply, own the policy, pay premiums, and be named as beneficiary. The insurer can explain consent, insurable-interest, health-information, and any legal-representative requirements for the specific application.
Do not assume a parent qualifies because of age or relationship. Ask for current written eligibility, premium, and benefit terms before applying.
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