They can't. You need to sign off on the application. You would get a visit from a paramedic from the insruance company, who would ask for ID to proove who you are, then would ask for blood, urine, and saliva samples. AND your medical records would have to be released.
Currently, there are a LOT of life insurance scams going around. I wouldn't let junk mail ruin your life.
If you're asking another question, no, there's no central database where you can pop in someone's name, and find out if a life insurance policy has been issued for them.How do I go about finding out if someone has taken out a life insurance policy without my knowledge?
No one can take out a life insurance policy on you without your knowledge unless you're a minor. Also, they must have an insurable interest in you and this wouldn't apply to just any relative.How do I go about finding out if someone has taken out a life insurance policy without my knowledge?
If you are an adult, it didn't happen, Hollywood movies notwithstanding. In Hollywood, you will see life policies being taken out without people's knowledge, but it just doesn't happen in real life.
If you just made a real estate purchase, it is very likely that you will get flooded with life insurance offers. Your home purchase is a public record, and it can be accessed. This may explain some of the junk mail.
Just as an extra note, even grandparents need to get approval of parents before they can own a life insurance policy on their grandchildren. I wouldn't worry about your shady relative.
The only way it could have happenned is if you were a child and this relative was either parent/grandparent. Other relatives will need your parents signatures to get a life insurance policy on your life.
Small insurance policies might not need the visit of a paramed/ medical examiner, but they will still need your signature (if you were over 18).
Even if they have an insurance policy on your life, you could have some resources based on what is called "insurable interest". Insurable interest means that the person who owns (or buys) a life insurance policy that insures the life of other person has some interest on his/her life. For example a wife will have interest in his husband's life because if he passes away, his income will also leave the household. A business partner might have interest on the life of his partner because of their business. An uncle might not have insurable interest on the life of a nephew (provided that the nephew's parents are alive and taking care of the child), because it won't represent any economic change, should he pass away.
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