State RegulationsGA specificDifficulty 1/5
Under O.C.G.A. § 33-24-6, what must an applicant obtain before obtaining life insurance on the life of another person?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under O.C.G.A. § 33-24-6, insurance on another person requires the written consent of the person to be insured; the statute's narrow exceptions are a matter of concept, not a license to skip consent in ordinary sales. The consent requirement works together with the insurable-interest rules of § 33-24-3 to prevent speculative coverage on strangers and to guard individuals against being insured without their knowledge.
Why the other options are wrong
- A) The Commissioner does not pre-approve ordinary life insurance on another person; consent comes from the insured.
- C) No court order is part of the ordinary consent requirement of § 33-24-6.
- D) A birth certificate proves identity or age, not the written consent the statute demands.
Memory hook
Insuring someone else? Get it in writing — their written consent.