US Laws, Codes, Statutes & Cases

                                  TITLE  41
                                  INSURANCE
                                  CHAPTER 18
                            THE INSURANCE CONTRACT
    41-1808.  APPLICATION REQUIRED -- LIFE AND DISABILITY INSURANCE.  No life
or disability insurance contract upon an individual, except a contract of
group life insurance or of group or blanket disability insurance, shall be
made or effectuated unless at the time of the making of the contract the
individual insured, being of competent legal capacity to contract, applies
therefor or has consented thereto in writing, except in the following cases:
    (1)  A spouse may effectuate such insurance upon the other spouse.
    (2)  Any person having an insurable interest in the life of a minor, or
any person upon whom a minor is dependent for support and maintenance, may
effectuate insurance upon the life of or pertaining to such minor.
    (3)  Family policies may be issued insuring any two (2) or more members of
a family on an application signed by either parent, a stepparent, or by a
husband or wife.