Updated: November 20, 2019

Getting Life Insurance for Someone Else

Need to take out life insurance for another person? This should only be done with professional advice. Find out how to get it in this article

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Richard Angliss

Author: Richard Angliss - Finance Expert

Updated: November 20, 2019

In this article, we take you through a variety of subjects, including how to get a life insurance policy on someone else (and when you can’t), along with how to find out if someone has a life insurance policy on you.

Concerned about life insurance or looking for some cover? Get in touch. One of the experts we work with can clear up any uncertainty or help to find the perfect policy for you.

Getting life insurance for someone else: a quick guide

In the UK, whether you can get insurance for another person will usually depend on your ability to prove that you’d suffer financially if this person were to die. This is referred to as ‘insurable interest’.

When you can get insurance for another person

One example of an insurable interest would be the repayment of a joint debt with this person (such as a mortgage) or being in a business partnership.

The exception to this requirement for ‘insurable interest’ is if you’re in a civil partnership or marriage with this person. Typically, you’d be able to take out joint cover for both of you.

When you can’t get life insurance for another person

The law is quite restrictive. Unless you can prove ‘insurable interest’, in most cases, you won’t be able to take out life insurance on someone else.

In current UK law, insurable interest extends only to civil partners and spouses – but not to other immediate family (ie. parents, siblings).

There are a few notable exceptions – for example, a company can buy ‘key man insurance’ to protect against the loss of a vital employee. 

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How to get life insurance on someone else

Now that you’ve read some of the caveats around insurable interest, there are two main ways to arrange insurance on someone else – and their pros and cons.

Option 1: Go direct

You can contact insurers directly to get a quote. This, of course, is time-consuming. You’re not guaranteed to get the best deal that they offer, and you’re likely to miss a large portion of the market, and you’ll probably have to spend hours chasing up insurers.

Option 2: Use a comparison site

This is a more time-efficient way to compare the market. You won’t have to follow up with each insurer individually, but you won’t necessarily get the best deal (many of which are broker-only). And you certainly won’t get a comparison that covers the entire market.

Option 3: Get specialist help (recommended)

A specialist broker can do all of the legwork for you, comparing the entire market, including specialist broker-only products not available anywhere else.

The expert brokers we work with have specialist tools to search the entire market to ensure you are getting the right cover the best available price and, because all the experts are whole-of-market you can be sure you won’t be missing out on a better product elsewhere.

All of the advisors we work with are regulated by the Financial Conduct Authority which means they adhere to strict rules of conduct.

Call 0808 189 0463 or make a quick enquiry for a free, no obligation chat and find out how much time, hassle and money you could save.

How to find out if someone has life insurance on you

As should hopefully be clear by now, it’s very difficult for someone to take out life insurance on you unless they’re close enough to you to be able to provide insurable interest – so you could just ask the person in question.

If this isn’t an option, you could ask various life insurance companies if there is a policy taken out in your name. This, however, could be a needle in a haystack, as there are plenty of insurers.

The advisors we work with have deep relationships with many of the best insurance providers in the business as well as access to the entire market. If you make an enquiry they’d be more than happy to look into this for you.

Talk to a life insurance expert today

If you have questions about getting life insurance on someone else and want to speak to an expert for the right advice, call 0808 189 0463 or make a quick enquiry.

We’ll match you with an expert who will be able to answer your questions and find you life insurance for the right cover at the best possible price.

All the experts we work with are totally independent with access to insurance providers across the whole UK. The service we offer is free and there’s no obligation.


Can I purchase life insurance on someone else?

Yes, but it depends on who you want to purchase it for. As we’ve said previously, you’ll need to be able to provide evidence of insurable interest before you can take out a policy on another person.

Can someone take out life insurance on me without my knowledge?

It’s unlikely. If you’re over the age of 18, there’s no pretext for your parents or guardians to insure you. Additionally, considering the restrictions imposed by ‘insurable interest’, nobody else will be able to take a policy out on you either.

Can you buy life insurance on anyone?

No. You have to be able to prove an ‘insurable interest’ on the person you want to insure.

Can I buy life insurance for anyone?

Kind of. You could take out a policy on yourself and then, through a deed of assignment, allocate the funds to go to another person. This would allow them to benefit in the event of your death.

However, you cannot buy life insurance on anyone that you don’t have an insurable interest in yourself, but of course you could take out insurance on a spouse or civil partner.

Can you take out a life insurance policy on someone without their knowledge?

Not really. Theoretically, you could do it for your child (assuming they were below the age of 18) and you wouldn’t have to inform them. But that’s probably the only instance.

Can you take out life insurance on someone without their permission?

Again, not really. As above, you could take out a policy on your child without their permission (assuming they were below the age of 18), as they are technically unable to give informed consent.

Ask A Quick Question

We can help! We know everyone's circumstances are different, that's why we work with brokers who are experts in life insurance. Ask us a question and we'll get the best expert to help.

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Richard Angliss

Richard Angliss

Finance Expert

About the author

Richard Angliss has made a career in financial services which stretches over 40 years.

His early career was spent learning about the various financial products and applying them to prudent advice, working for one of the largest life assurance and investment firms. After that he joined the financial services arm of a very well-known firm providing independent advice to their 8 million customers.

For the last 20 years he has been involved in building software solutions that help Advisers and clients work together to achieve good financial outcomes and helping to set up three independent advisory firms. He also has written many articles for financial services publications and provided commentary for newspaper journalists.

At an early stage in his career he realised the great satisfaction that comes with being able to help people achieve their goals and protect their families. “Regulation of financial services has hugely impacted on ensuring people get appropriate advice. The issue these days is access to that advice and just as importantly regular reviews to make sure that everything stays on track”.

With the growing development of online resources such as Online Money Advisor he sees a great future for people to access advice to make their pension and investment work harder for them.  Plus, of course, to ensure they have insurance products in place that will be required when unforeseen events happen.

He knows getting that balance right is crucial to prudent financial planning and the wellbeing of individuals and their families.

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FCA Disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms that are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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