To get life insurance for someone else, the other person needs to know that you are getting the policy, agree to it, and sign the application. Then they must participate in the underwriting process, whether that be take an exam, do a phone interview, or provide access to medical records, if needed. Some policies do not require any exam, medical records or phone interview.
You can make yourself the Owner of the policy if you have an insurable interest in the Insured person. I.e. You provide or pay for some of their care, you have loaned them money, they live with you, etc. Or they can own their own policy. Either one of you can pay for it.
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You can make yourself the Owner of the policy if you have an insurable interest in the Insured person. I.e. You provide or pay for some of their care, you have loaned them money, they live with you, etc. Or they can own their own policy. Either one of you can pay for it.