Which situation would not require the insured's consent when a life insurance policy is issued?

In the context of life insurance policies, a situation where the insured is a minor child generally does not require the insured's consent because minors are not legally able to enter into contracts, including insurance agreements. In this case, the parent or legal guardian has the authority to purchase the policy on behalf of the minor, which effectively means that consent is obfuscated by the nature of the legal relationship and capacity of the parties involved.

For an adult purchasing a policy for themselves, or for a spouse buying coverage for their partner, there is a clear need for consent from the insured as both parties are adults capable of making their own decisions regarding insurance matters. Similarly, when a business owner insures a key employee, the employee's consent is typically required as they are the ones whose life is being insured. Therefore, the situation involving a parent purchasing a policy for a minor child is distinctly different and does not involve the insured being in a position to provide consent.