KRS 304.14-080: Consent of insured -- Life, health insurance.

No life or health insurance contract upon an individual, except a contract of group life

insurance or of group or blanket health insurance, shall be made or effectuated unless at

the time of the making of the contract the individual insured having the powe r to contract

as provided in KRS 304.14 -070 applies therefor or has consented thereto in writing,

except in the following cases:

(1) A spouse may effectuate the insurance upon the other spouse.

(2) Any person having an insurable interest in the life of a m inor, or any person upon

whom a minor is dependent for support and maintenance, may effectuate insurance

upon the life of or pertaining to the minor.

(3) Family policies may be issued insuring any two (2) or more members of a family on

an application signed by either parent, a step-parent, or by a husband or wife.