What is required for someone under the age of 18 to obtain a life insurance policy in Connecticut?

In Connecticut, individuals under the age of 18 are considered minors and typically cannot enter into contracts, including life insurance policies, independently. To obtain a life insurance policy, the consent of a parent or legal guardian is required. This is to ensure that the adult understands and agrees to the terms of the insurance policy on behalf of the minor.

While options like direct approval from the Insurance Commissioner or participation in an education program might seem relevant, they are not standard requirements for minors seeking life insurance in Connecticut. The law emphasizes the need for parental consent to protect minors and ensure that an adult assumes responsibility for the policy. Thus, the correct answer highlights the necessity of having an adult's agreement when a minor is involved in acquiring a life insurance policy.