You cannot simply open a policy on someone else without their knowledge; doing so is considered insurance fraud.
: You’ll need his Social Security number, birth date, and a list of current medications and doctors.
Securing this coverage now ensures that when the time comes, you can focus on honoring your father's memory rather than worrying about the bill.
: A great fallback if he has significant health issues, as it typically does not require a medical exam, though premiums may be higher. How to Get Started
: Your father must sign the application himself. Transparency is key—he will need to share medical history and possibly meet with a medical professional for a brief health check.
