Okla. Stat. tit. 36, § 36-3607: Application required

No life or accident and health insurance contract upon an

individual, except a contract of group life insurance or of group or

blanket accident and health insurance, shall be made or effectuated

unless at the time of the making of the contract the individual

insured, being of competent legal capacity to contract, applies

therefor or consents thereto, except in the following cases:

1. A spouse may effectuate such insurance upon the other

spouse.

2. Any person having an insurable interest in the life of a

minor, or any person upon whom a minor is dependent for support and

maintenance, may effectuate insurance upon the life of or pertaining

to such minor.

3. Any person having an insurable interest in the life of a

person who is legally incompetent to consent to such insurance may

effectuate such insurance upon such person.