Life Insurance Policies on a Child’s Father: Buyer’s Guide

You can get life insurance policies on a child's father, but you'll need an insurable interest and their consent in order to do so. We'll go over a few types of coverage that will be available in this instance.

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UPDATED: Jun 1, 2022

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Written By: Chris TepedinoReviewed By: Laura WalkerUPDATED: Jun 1, 2022Fact Checked

The Rundown

  • To protect your financial situation, you can take out life insurance on your child’s father
  • You will need to display insurable interest to qualify and get his consent in writing
  • You can then choose between term or whole life insurance

If you are no longer in a relationship with the father of your child, you may naturally have concerns about your financial future. You know that life insurance could address some of those issues, but he may be slow or unwilling to take out a policy in this situation. So, is it possible to take out a policy on your child’s father by yourself? Read our buyer’s guide to learn how this works.

Can I get life insurance on my child’s father?

This is the fundamental question, and the short answer is yes, you can get life insurance for the parent of your child. If your child’s father will not go through the process himself, you can shop around and find a policy to help protect your child’s interests. However, you will need to get the father’s permission first. You also need to be able to answer some questions before you can qualify and choose the right type of insurance.

Does insurable interest affect any insurance on my child’s father?

Life insurance companies always consider the matter of “insurable interest,” which dictates who can claim a life insurance policy. If you have an insurable interest, it means that you could suffer a significant financial loss should the insured person die. In your case, you may rely on the financial support you negotiated during a divorce settlement. This type of support could well disappear if the father passed away, so you clearly have an insurable interest.

Do I need consent to take out insurance on my child’s father?

You will need to get his permission before proceeding, as you cannot buy a life insurance policy on him without his consent. This type of permission is in place to avoid somebody taking out a policy on a wealthy and aged person without their knowledge. In insurance terms, you can only take out a policy without express consent if the insured party is your minor child. As a parent, you would have the legal right to give the child’s consent on their behalf. This would not apply in the case of getting a life policy for a child’s parent.

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Choosing the Type of Life Insurance

Once you have displayed insurable interest and have secured consent, you can take out a life insurance policy on your child’s father. You can typically choose between a whole life insurance policy or term life insurance coverage. The latter will remain in effect for a given number of years (for example, 10, 20, or 30), while the former will remain in effect — as long as the premiums are up to date — until the insured person’s death. Whole life policies also accrue cash value, while term life policies have no value unless the insured person dies.

You also need to figure out who is going to pay the bill. If you don’t have a particularly good relationship with the father, you may have to pay for the insurance yourself or get a court order requiring him to pay the bill. This allows you to ensure that the payments take place on time so the policy remains in force. If you’ll be the responsible party, you’ll need to declare your annual income and expenses so the insurance company can confirm you will be able to afford the payments.

Once you’ve decided who is going to pay, the insurance underwriters will look at the father’s general health, medical history, and lifestyle records. They’ll also consider any current life insurance when they come up with a proposal. If you’re happy with the details and the father is willing to sign the documentation, you can take out this life insurance to give you an additional layer of protection.

Getting Life Insurance on a Child’s Father

You can take out life insurance on the father of your child once you have displayed insurable interest and received his consent. It may be better for you to own the policy and pay the premiums. That way, you have control and can keep the policy in force.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

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