In Florida, at what age can a child sign a life insurance application?

In Florida, a child can sign a life insurance application at the age of 15. This regulation is based on the legal recognition of minors as having the capacity to enter into certain contracts, which includes signing life insurance applications. At this age, the law allows them to express an understanding of the commitment, facilitate the insurance process, and take responsibility for the application, though traditionally, a parent or guardian ultimately holds the responsibility for the insurance policy.

While earlier ages such as 10 and 12 are less commonly recognized for such contractual purposes, the age of 18 represents the legal age of majority when individuals can fully exercise all contractual rights. Therefore, 15 serves as an appropriate midpoint where a minor can be actively involved in insurance matters without being considered a fully independent adult under the law.