§431:10-206  Application for insurance: consent of insured required.  No life insurance or accident and health orsickness insurance contract upon an individual shall be made or effectuatedunless at the time of the making of the contract the individual insured, beingof competent legal capacity to contract, applies for or consents to theinsurance in writing, except in the following cases:

(1)  A spouse may effectuate such insurance upon theother spouse.

(2)  Any person having an insurable interest in thelife of a minor, or any person upon whom a minor is dependent for support andmaintenance, may effectuate insurance upon the life of or pertaining to theminor.

This section shall not apply to contracts of grouplife insurance or of group or blanket disability insurance as defined in thiscode. [L 1987, c 347, pt of §2; am L 2002, c 155, §41]