Wash. Rev. Code » Title 48 · Chapter 48.18
Revised Code of Washington

Wash. Rev. Code § 48.18.060 (2026)

Application—Consent—When required

✓ current as of May 2026
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A life or disability insurance contract upon an individual may not be made or take effect unless at the time the contract is made the individual insured applies for or consents to the contract in writing, except in the following cases:
(1) A spouse may insure the life of 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 insure the life of the minor.
(3) A contract of group or blanket disability insurance may be effectuated upon an individual.
(4) A contract of group life insurance may be effectuated upon an individual, except as otherwise provided in RCW 48.18.580.
[ 2005 c 337 s 5; 1947 c 79 s .18.06; Rem. Supp. 1947 s 45.18.06.]

Notes:

Finding—Intent—2005 c 337: See note following RCW 48.18.030.
Notes of Decisions
Cited in 2 cases, 1977–1995 · leading case: Queen City Farms, Inc. v. Cent. Nat'l Ins. Co. of Omaha, 882 P.2d 703 (Wash. 1995).
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Queen City Farms, Inc. v. Cent. Nat'l Ins. Co. of Omaha, 882 P.2d 703 (Wash. 1995). · cites it 2× “See RCW 48.18.060 (in which the Legislature has expressly required insurance companies to have applications for any "life or disability insurance contract upon an individual", with some exceptions).”
Washington State Pub. Employees' Bd. v. Cook, 559 P.2d 991 (Wash. 1977). · cites it 2× “030(3), which provides: "(3) `Insurable interest' as used in this section and in RCW 48.18.060 includes only interests as follows: "(a) In the case of individuals related closely by blood or by law, a substantial interest engendered by love and affection; and "(b) In the case of…”
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