State RegulationsMI specificDifficulty 1/5
Under M.C.L. 500.2211, in which situation is the insured's written consent NOT required to insure another person's life for one's own benefit?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
M.C.L. 500.2211 requires the insured's written consent for policies or certificates of $10,000 or more, but it expressly removes that requirement when the insured is under 18 years of age. Michigan's written-consent rule thus pairs an age threshold with an amount threshold in a single provision of the Michigan Insurance Code.
Why the other options are wrong
- B) An adult child is an adult; the under-18 exception does not apply, so written consent is required for coverage of $10,000 or more.
- C) The applicant's producer license is irrelevant to the consent rule; licensure does not substitute for the insured's written consent.
- D) Where the application is completed has no bearing on the consent requirement.
Memory hook
Under 18 — no consent needed; 18 and up, sign on the line.