A life or disability insurance contract upon an individual may not be made or take effect unless at the time the contract is made the individual insured applies for or consents to the contract in writing, except in the following cases:
(1) A spouse may insure the life of the other spouse.
(2) Any person having an insurable interest in the life of a minor, or any person upon whom a minor is dependent for support and maintenance, may insure the life of the minor.
(3) A contract of group or blanket disability insurance may be effectuated upon an individual.
(4) A contract of group life insurance may be effectuated upon an individual, except as otherwise provided in RCW
48.18.580.