In order to purchase a life insurance policy on someone, the OWNER of that policy must have an insurable interest in the insured person’s life. The insured party does not have to know the policy exists. Many times you’ll see on true crime shows spouses who bought policies on the other spouse without them knowing. Perfectly legal. The insured person also cannot cancel those policies. Only the policy owner can do that (however, if fraud is discovered, the insurer can and will rescind the policy). I could take out several policy on Trooper Dogshit without his knowledge. He’s my husbando, so if he dies, my finances are impacted. Same goes for him. If I crap out tomorrow, he’s going need to pay people to do the shit I do around here.
I cannot buy a policy on my best friend. I’d be bereft and borderline suicidal if she goes tits up tomorrow, but my finances won’t take a hit.
People who go into businesses together will often each take out a policy on the other guy. No insurance company will knowingly let some fuckin rando take out a policy on Hamber. In fact, NO life insurance company is going to issue more than a “guaranteed issue” policy on her. If she had a job and life insurance was a benefit she could get a small (probably 10k) policy. She might be able to get ridiculously expensive insurance you see advertised on TV.