State RegulationsGA specificDifficulty 1/5
Under Georgia law, when one person applies to insure the life of another person, what must be obtained from the person being insured?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under O.C.G.A. § 33-24-6, the written consent of the insured is required before one person may insure the life of another. The statute's narrow exceptions are tested only at the concept level, so the exam-safe rule is that consent must be in writing - an oral okay or an implied consent does not satisfy Georgia law.
Why the other options are wrong
- A) Wrong: verbal consent, even with a witness, does not meet the statute's written-consent requirement.
- B) Wrong: premium payment by or for the insured does not imply consent; the statute demands a writing.
- D) Wrong: the Commissioner is not a party to private insurance applications and does not approve individual consents.
Memory hook
Insure someone else? Get it in writing - 33-24-6 means signature.