Safeguards built into the life insurance application process would make it extremely difficult for someone to secretly take out a policy on your life.
When someone applies for a life insurance policy, there are several requirements that help prevent secret policies. They include:
Technically, it might be possible for someone to successfully commit fraud and take out a secret policy on your life. But this is extremely unlikely and would involve actions such as someone getting a hold of all insurance company correspondence and forging your signature.
Some businesses also offer group life insurance where it's possible to take out a policy on your spouse. But such policies typically do not have substantial payouts and are unlikely to inspire a nefarious scheme.
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