: Approach the subject with respect, explaining that the goal is to protect the family from unexpected financial burdens.
: Use tools like the Mutual of Omaha Quote Tool or consult agents at Prudential or New York Life to find the best rate.
: Fill out the paperwork with him to ensure all medical details are accurate.
: 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.
: 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
You cannot simply open a policy on someone else without their knowledge; doing so is considered insurance fraud.