Life insurance companies must access an insured's medical history. Per HIPAA, the insured must usually sign a written consent form to release his/her medical records. If the insurance company doesn’t require medical consent, the insured must typically sign off on the policy.
But states regulate the industry, and laws vary for each state. Due to signature requirements and/or medical exams, it would be extremely difficult for a person to take a life insurance policy out on someone else without the insured being aware of it. That being said, some states allow spouses to take out a life insurance policy on a spouse (if currently married/no ongoing legal divorce proceedings) or minor child 15 or younger without that person’s consent.
If you took out the policies when they were minors or dependents, then your kids consent would not have been required and you also would have access to their med records.
Not to derail the thread but the odds of FD being able to take out a new policy on JD anytime after the divorce filing without her knowledge is slim to none. I’d put the odds at 1% or less