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Generally, you may not take out insurance on just anyone else. An insurance company can deny a policy to someone if there is no "insurable interest", between them like a blood relation or certain types of business relations.
Yes. It depends on if they are a minor or an adult. An adult you will need them to sign the application. If there is an "Insurable Interest" on a child (ie: parent, grandparent) then you can just purchase it. 4LifeGuild

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