A word about authority. You can’t usually get coverage on another person, unless you have a power of attorney or some other legal authorization. Competent people need to be involved. If the one you love can’t participate in the choices of coverage, you may need to find out how to get authority for him or her. Regardless, an agent can provide a quotation and discuss with you available options, if you have sufficient information on the one you love. Please select one of the following:

(If you want to talk about more than one of these things, pick the most important and we’ll cover the rest later.)