You can claim your father's life insurance and in many cases your parents will list you as a child on their life insurance policy as a beneficiary.
If a parent dies when they have an active life insurance policy the life insurance policy's beneficiary or beneficiaries can file a claim to receive the death benefit.
It's legal to take out life insurance on your parents as long as you have your parents consent to take the life insurance out on your parents.
You won't be able to sign up for or purchase a life insurance policy on your parents without their consent.
You will also need some of their information and their signature.
Without your parents signature and information and their consent through that signature you won't be able to take the life insurance policy out on your parents.
If you decide to purchase a policy on your parents' behalf, you first need to notify them of your intention to do so and have their consent.
Secondly, you will need to prove insurable interest to the insurance company.
Insurable interest means that you would suffer a financial loss if your parents passed away.
If your parents don't consent then you can't get the life insurance on them.
The insured person has to provide consent and a signature, so there is no way you can take out a policy on anyone without them knowing.
This should go without saying but forging a signature will void the life insurance policy and is also a punishable crime.
Just like other people can't take out life insurance on you without your consent you can't take out life insurance on your parents or other people without their consent.
A third party can't take out a life insurance policy on you without your knowledge and consent.
The person must first notify you of their intentions, and obtain your formal agreement to the policy.