What is required for the assignment of a policy?

A written consent from the insurer is required for the assignment of a policy because it ensures that the insurance company is aware of and agrees to the transfer of policy rights to another party. This requirement protects the insurer's interests and ensures the integrity of the insurance contract, as the insurer may want to evaluate the new assignee's eligibility or risk profile. Without this written consent, the assignment could be invalid, leading to potential disputes or coverage issues. The other options, while they may involve some form of agreement or approval, do not provide the necessary legal framework or protection that written consent entails.