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Can I Get Life Insurance on my Brother or Sister?

life-insurance-on-a-brother-or-sister

In the following article we will address how to get life insurance on your brother or sister. If you simply need a good burial or final expense company then your job will be easier. However, for those looking for the top rated best life insurance companies or top rated no exam life insurance companies, your job might be a little more difficult. Save yourself a lot of time and give us a call today to see just what we can do for you!

How to Buy Life Insurance for a Brother or Sister


Can I get Life Insurance on Someone Else?

The short answer is, yes, you can get life insurance on someone else. However, there are certain guidelines that must be followed. One of the primary factors will be if there is an insurable interest or not. An “insurable interest” means that if someone died you would suffer financial loss.  Or said in the positive, you have an insurable interest in another person if that person benefits you, such as financially, by his or her continued existence.

Insurable Interest in a Brother or Sister

Typically, when we’re asked the question “can I get life insurance for my brother?” or “can I get life insurance for my sister” it’s usually because the person calling is worried about what would happen if the their brother or sister passed away without life insurance.  For example:

  • Who would pay for their burial expenses?
  • How would his or her heirs survive “financially” after he was gone?

After all, if there  is no life insurance in place the question then becomes, “Is there a plan in place to make sure everyone would be taken care of?”

In situations like these the un-insured sibling may be un-insured because:

  • they have some type of pre-existing condition,
  • they don’t feel that they need insurance, or
  • they may simply not “believe” in life insurance.

This is why it can be difficult to get these individuals involved in the process of getting insured!  After all, depending on the type of life insurance being applied for, getting approved may be considered too much work for these individuals who aren’t interested in getting insured in the first place!

The Real Question Behind “Can I buy life insurance for my brother?”

We’ve found that most of the time when we’re asked, “Can I buy life insurance on my brother?” the person is asking the question because their brother just won’t seem to get life insurance on their own.

It could be because they don’t:

  • Think they need it,
  • Don’t like doctors,
  • Don’t trust insurance companies, or
  • Think it’s too creepy to talk about how the will one day eventually pass away.

Truth is people will make up a million different reasons to avoid buying life insurance but that doesn’t change the fact that one day, everyone, including your brother, will die.

Fact: 100% of all Americans will eventually die, of those, only 52% will have life insurance in place.

So by asking “Can I buy life insurance on my brother?” what one is usually asking is:

“Can I get life insurance on my brother without him really taking an active role in the process?”

Short answer:  Yes.

Complete answer:  It depends.

How can I buy life insurance on my brother or sister?

Let’s just assume that your brother is OK with you getting life insurance on him, but he’s just not going to go out of his way to make it easy.

In cases like these, there are a few different insurance companies that will offer complete term life insurance coverage up to $500,000 that would go in force within 24 hours after a brief phone interview.

In our experiences, we’ve found that if you can:

  • Eliminate the need for a complete medical exam,
  • Allow everything to be completed over the phone in just a few minutes, and
  • Get rid of the long approval process, even the most stubborn applicant can be persuaded to get insured!

What if my brother doesn’t want to pay the premium?

This happens all the time. A family member will often pay the premium for another loved one just so that they can be sure that the policy remains in effect.

Attention:  Insurance companies get a little sensitive about this one.  After all, insurance carriers don’t really want to find themselves allowing someone to insure another individual without the insured having knowledge of the fact.  For this reason, some carriers (but not all) may require the initial payment to be made by the insured, and then switched to another individual after the first premium is collected.

This is where working with TermLife2Go can make all the difference in the world because with dozens of different insurance carriers to choose from, we’re sure to find one with a payment method that will work for even the most difficult of situations.

About TermLife2Go

We’re looking for lifetime customers that will recommend their friends and family to us which is why we place customer satisfaction above all else.

Our promise to you is that if we’re reasonably sure that we can help, we’re not going to waste your time!  Our goal here at TermLife2Go is to get you and your family the best possible life insurance policy available for you, not just quote you something you’ll never be able to qualify for!

So what are you waiting for?  Just give us a call to see just what we can do about helping you get life insurance on your brother or sister.

 

36 comments… add one
  • Lebo

    I have a brother not very fond of me. We have lost our parents and it’s just the two of us left. He has previously declined a life cover I wanted to take for him. Can I get one without his participation? Should and thing happen to him I will be expected to bury him and provide for his kids.

    • Lebo,

      There are many different “types” of life insurance policies out there, many of which would not require your brother to do much in order to qualify for coverage.

      That said however, we would need his permission to place a policy on him, so unfortunately, you would need him to agree to allow you to purchase a life insurance policy on him before we could apply for coverage.

      Thanks,

      TermLife2Go.

  • Lisa R

    I am looking for information on Insurance for my brother. My brother is mentally disabled and he has COPD, I do not know at this time what stage his COPD is, I will find this out on October 3, 2018 when I take home back to his doctor. Also my brother is 63 years old. I would like to insure him for enough to bury him, $15,000.00-$20,000.00. Can you provide any information. Thank you.

  • Alice w

    I lost my bother on thanksgiving day 2016. He had no insurance and we struggle to give him a nice funeral! I have another brother who do want too! He’s in good health and may live another 20 years ( currently 70 yo). I need help

    • Alice,

      If you think your bother would be open to having a life insurance policy placed on him, just give us a call and we’ll go over what options may be available to you and your family.

      Thanks,

      TermLife2Go.

  • kimberly w

    I have few elderly aunts I want to get life insurance for. Their ages range from 55-75. They are God parents to my daughters. Would I be able to insure them all?

    • Kimberly,

      We would be happy to help you find coverage for your “aunts” we would just need to learn a little bit more about how much insurance you’re looking for as well as how healthy they are prior to us being able to say for sure if you’ll be able to find coverage for them.

      So… why don’t you just give us a call when you have a chance and we’ll review what options may be available.

      Thanks,

      TermLife2Go.

  • Can I get life insurance on my sister she is 24 years old with chrons disease always in pain if she dies I would be responsible for her burial. Before her illness she would help me financially with my children but now she can’t work.

    • Shelley,

      People who have Crohn’s disease are often eligible for traditional term or whole life insurance, we would just need to speak with her directly to make sure she will be able to qualify. So, why don’t you just have her give us a call and we’ll do our best to help her out.

      Thanks,

      TermLife2Go.

  • Ochun O

    I want to get term life insurance on my brother. Would someone call
    me with information. Telephone number, 716-XXX-XXXX. If no answer, leave a message. Want to know insurance companies to contact. My brother is 70.

    • Ochun,

      We’ve passed along your info and will have an agent give you a call shortly.

      Thanks,

      TermLife2Go.

  • Angela C

    Both of my parents are deceased & I remember vividly the cost of their funerals. I have 66yr old brother who is not a responsible adult nor never has been. Thru the years I have given him money, vehicles, etc. to try & help him out. However, now I do not have the finances I once did & I am concerned about having to pay for his funeral expense when he leaves this world. All I want is 5000 – 10000 burial expense. My brother is not going to agree to this even though it won’t cost him a dime. He still plays the poor poor pitiful me. I just do not want to be saddled with his expense because he is not responsible enough to help me out. Do I have any options?
    Thank you in advance,
    Angela Copeland

    • Angela,

      We would most likely need your brother to at least agree to allow you to take a policy out on his behalf before we could get anything put into place. For this reason why don’t you give us a call when you have a chance so that we can go over your options and see if it’s something you’re bother may or may not be willing to cooperate with.

      Thanks,

      TermLife2Go.

  • Norma Jean H.

    My sister has just been diagnosed with heart failure, her nor her husband has life insurance. So the burden will be mine when one of them passes. I need to know if you offer an insurance that is effective at purchase, if not what is the payable benefits if there’s a time period.

    • Norma,

      Sounds like you have all the reasons in the world to be looking for life insurance for your sister and her husband. Why don’t you just give us a call so that we can discuss your options and see if we have something that might meet your needs.

      Thanks,

      TermLife2Go.

  • Jamie LaPointe

    My brother is suffering from drug addiction and he has been in the hospital several time with accidental overdose. As we will have to pay funeral expenses some day we cannot afford to do nothing. Is it to late to get a life insurance ?

    • Jamie,

      While we’re sorry to hear about your brothers’ drug addiction and wish nothing but the best for him, we can certainly understand why you’re worried about what his potential funeral costs would be.

      That being said, you may “potentially” be able to purchase a final expense life insurance policy that would not ask any medical questions or require him to take a medical exam. These types of policies are called “guaranteed issue” and simply require that you be a US citizen and meet the age requirements.

      Why don’t you just give us a call when you have a moment so that we can discuss your options with you as well as explain what is called a Graded Death Benefit which is common clause that you will find in all guaranteed issue life insurance policies.

      Thanks,

      TermLife2Go.

  • Rachael

    I am the youngest of 8 children. A few years ago, my father passed suddenly and he hadn’t set up a Will or Life Insurance. We scrambled to pay for his funeral cost and its was a huge problem with not everyone being able to contribute due to some siblings being unemployed or with large families of their own.
    I have two siblings who have been diagnosed with schizophrenia and were forcibly committed for a time when they seemed to be a danger to themselves and others. They both don’t have life insurance but both have kids. Am I able to take out policies on them both without having to deal with them directly? They both have lived with me in the last 3 years but despite diagnosis they both refuse to seek treatment or medicine.

    • Rachael,

      It sounds like you have all the reasons in the world to want to get some life insurance in place for your siblings.

      So…

      What we would recommend that you do is give us a call so that we can determine what policies they might be able to qualify for.

      Thanks,

      TermLife2Go.

  • Dee

    My sister Age 65, my oldest brother , age 69, my youngest brother age 64, and I age 67, have all agreed to take out life insurance on each other. We are all in good health. Ho do we proceed, $10,000. Max coverage.

    Thank you

    • Dee,

      A good start would be to just give us a call this way we can determine which type of policy each of you would qualify for.

      Thanks,

      TermLife2Go.

  • Leslie Britton

    My mom passed away 2 days ago and her sister did life insurance policy on my mom and said she refuses to help with funeral arrangements what should or what can I do, please help

    • Leslie,

      First off, we’re sorry to hear about your loss and hope that everything works out. As for how we can help out in this situation, there really isn’t much that we can do.
      Our only suggestion to you at this point would be to try to determine which insurance company was used in your mother’s policy and see if your aunt was the sole beneficiary.
      If is the case, you’ll basically just need to hope that your aunt will ultimately decide to do the right thing.

      Thanks and best of luck,

      TermLife2Go.

  • BARRY MINNIEFIELD

    I have 2 older sibling and I am the youngest, Both are not able to afford life insurance. We have lost Three of our siblings and 1 had no life insurance. and I also need it for the future Now that my parents are elderly and I know they have life insurance but no way could afford to take care of my brothers or myself expenses should something happen, I know it would fall on me. or them and they just don’t have it so I need to step up and get it for at least two of us.

    • Barry,

      We get folks calling us all the time with situations just like yours, so we’re sure we’ll be able to help you out. That being said, the best bet for you will be to simply give us a call so that we can get a better idea of exactly how much coverage you are thinking about getting for each or your family members.

      Thanks,

      TermLife2Go.

  • I was wanting to see if I can get a life insurance policy on my brother not much just enough to cover burial expenses he has a condition where his liver is gone and probably won’t be around in the next few years

    • Mickey,

      Sounds like you’ll need to pursue what is called a guaranteed issue life insurance policy. These are policies that will provide up to around $25,000 in coverage and won’t require a medical exam or have any health related questions.

      Go ahead and give us a call so that one of our agents can go over this option with you and discuss what is called a “graded death benefit”.

      A graded death benefit is a “clause” that is associated with most (if not all) guaranteed issue life insurance policies, which will state that the insured must not die of natural causes for a certain period of time after the policy is purchased in order for the policy to COVER natural causes of death.

      Thanks,

      TermLife2Go.

  • Question-I have 1 older sibling and 1 younger sibling, both boys. Both are not able to afford life insurance. We just lost one of our siblings and he had no life insurance. I am the only sibling that let’s say ended up planning and investing for the future in life. Now that my parents are elderly and I know they have life insurance but no way could afford to take care of my brothers expenses should something happen, I know it would fall on me. Neither one is married, have no children.

    Am I able to take a small life insurance policy out on each one to cover their costs should something happen to them and to protect myself. I have a family of my own, I am the only sister in the family and of course want to protect everything I have worked for all my life. My children have talked to me about this recently since we just buried one of my brothers.

    • Diana,

      We hear stories like yours nearly every single day, which is why we chose to write this article specifically focusing on cases just like yours.
      What you’ll want to do is give us a call so that we can:

      First, determine what types of insurance your brothers will qualify for, and second, determine which type of insurance will work best for you and your budget.

      The process really isn’t all that difficult, you just want to make sure that you cover all bases the first time around and don’t find yourself needing to change things later on down the road.

      Thanks,

      TermLife2Go.

  • Amber

    I am trying to figure out if I would be able to purchase life insurance policies on my younger siblings. My mother is married to their father (my stepfather), but she is the financial provider for far too many family members and simply does not have the income to cover excessive costs. Their father is basically a deadbeat. Since the recent unexpected deaths of other family members, I have witnessed first hand how huge a burden death can be on a family when the deceased does not have appropriate arrangements set up. I am just looking for small plans to cover funeral costs. My sister is 24 and brother is 20. Their biological mother passed away when they were young, and my family has been their only source of support and financial stability since then. I currently have personal life insurance through my employer via MetLife. I am not aware if they offer family plans beyond spouses and dependents.
    Are there any options available for my situation?

    • Amber,
      Assuming that your younger siblings are OK with you purchasing a life insurance policy on them, and you’re able to demonstrate that you would be financially burdened (AKA have an “Insurable interest”) by either of them dying, you should be able to find a life insurance company that will insure them.
      That being said however, the most challenging aspect to what you are asking is demonstrating that you would suffer “Financially” with the loss of either sibling.
      Our suggestion to you is simply give us a call so that we can gather a bit more information about your siblings so that we will be able to run your scenario by a few different insurance underwriters to determine which insurance company will best meet your needs.
      Thanks,

      TermLife2Go

  • Kelly W.

    I’m interested in purchasing life insurance for my brother and my mother.

    My brother is 44 and my mother is 62 (currently receiving social security benefits).
    Neither has any pre existing conditions but neither can afford to pay for insurance either. They also have no problem with me purchasing insurance on them.

    I’m looking for enough to cover funeral costs when needed.

    I’d like to know what my options are?

    Thank you.

    • Kelly,

      Your options are going to vary pretty significantly between what is available for your mother and brother based the information that you have provided thus far.
      For your mother, we would most likely recommend what is called a “Guaranteed Issue” whole life insurance policy. These types of life insurance policies will not require your mother to take a medical exam or answer any medical questions. Guaranteed life insurance policies do however have what is called a “Graded Death Benefit”. A guaranteed death benefit is a clause, within the insurance policy, that will typically state that your new life insurance policy will need to be “INFORCE” for a certain amount of time prior to covering NATURAL causes of death.

      Now if the main cause of your mother receiving SSI benefits isn’t that serious, there may be other no medical exam life insurance policy options, we just won’t know till we learn more about your mothers current health status.

      For your brother, because he is only 44 years of age, he will not qualify for these same types of Guaranteed issue life insurance policies simply because these policies are generally restricted for individuals aged 49 and above.

      For him, we would probably recommend a term life insurance policy. These will generally be your most affordable options but until we learn more about his current health status, it would be impossible to make any definitive suggestions.

      So why don’t you just give us a call when you have a chance and we’ll be certain to do our best to help you out!

      Thanks,

  • Mike

    I would like to find out how to get a life insurance policy for my sister. She is on SSDI for the fact that she has a learning disability or for lack of a better term she is a little slow. I would be the one responsible for her funeral expenses if anything were to happen to her so I would like to get a small policy to cover the costs. I would like to get a price for a$20,000 policy if possible. Her birth date is 3/29/75.

    • Mike,

      Thanks for taking the time to read our article “Can I Get Life Insurance
      on my Brother or Sister?” We only wish we had better news for you.

      Due to your sister’s age (39), we simply don’t have a policy that she
      would currently qualify for.

      Let us explain: For most individuals that are receiving SSDI for
      cognitive reasons, we’re typically limited to life insurance policies that
      are known as “Guaranteed Issue” life insurance policies. These are
      policies that are generally limited to about $25,000 in coverage, and will
      not require an applicant to take a medical exam or answer any medical
      questions (They will also generally have what is called a Graded Death
      Benefit, referring to a waiting period prior to full life insurance
      coverage beginning, typically 2 years).

      And given the purpose of the insurance you’re looking for, this type of
      policy should be perfect for you. The problem is that generally, these
      policies are reserved for applicants over the age of 45-50. Which is why
      we just can’t help your sister today.

      We wish you and your family the best and hope that this explanation helps
      you in your search.

      Thanks,

      TermLife2Go.

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