State RegulationsMI specificDifficulty 1/5
Under M.C.L. 500.2211, when an applicant insures another person's life for the applicant's own benefit in an amount of $10,000 or more, the insured's written consent is NOT required if the insured is what age?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
M.C.L. 500.2211 requires written consent for policies or certificates of $10,000 or more insuring another person's life for the applicant's own benefit, but it eliminates that consent requirement when the insured is under 18. Michigan pairs this with M.C.L. 500.2207's recognition of insurable interest in family members' lives, so minor-aged insureds can be covered without the formal written consent step that applies to adult insureds.
Why the other options are wrong
- A) 26 is the dependent-child coverage age under M.C.L. 500.3403, a health-coverage mandate, not the consent age in M.C.L. 500.2211.
- B) 65 relates to Medicare eligibility and the Medicare supplement open enrollment window, not to insured-consent requirements.
- D) 60 marks the youngest age band for LTC Partnership inflation protection rules, which is unrelated to written consent for insuring another's life.
Memory hook
Under eighteen, no consent needed: Michigan treats policies on minors differently.