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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

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Parent signature required

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: I tried to apply for life and health insurance online for my 18 month daughter but it said to call for additional information and would not accept the application.

A: The problem issue is the parent's signature required on the application. Online enrollment systems are not yet programmed to distinguish an applicant's electronic signature (in this case a young child) from the legal guardian's electronic signature. This problem will soon be fixed by most insurance companies but in the meanwhile just call OnlineAdviser for support and submit the application by fax or mail. Some online health insurance plans including any of the "Secure STM" or "Simple STM" policies can be issued directly online with the parent's signature provided as a follow-up.


More resources:

Trends in Child-only Health Insurance