(1) Ningún contrato de seguro de vida o incapacidad sobre ninguna persona, excepto una póliza de seguro colectiva de vida, o de seguro colectivo o general de incapacidad, como se define en este título, deberá hacerse o efectuarse, a menos que al tiempo de hacer el contrato el asegurado, de capacidad legal competente para contratar, lo solicite por escrito o dé su consentimiento por escrito para ello, salvo en los siguientes casos:
(a) Un cónyuge podrá efectuar dicho seguro sobre el otro.
(b) Cualquier persona que tenga interés asegurable en la vida de un menor podrá contratar un seguro sobre la vida de dicho menor, o con relación a éste.
(2) El Comisionado mediante reglamentación podrá requerir una solicitud escrita al tiempo de hacerse el contrato en cualquier clase de seguro que no esté incluida en el inciso (1).
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