How can I get someone on a life insurance, I'm single.?

I read all the time about people getting millions of dollars on life insurance. Do I need to have the person's signature. How, by notary or witness. I will pay the monthly fee. She is sick and likes to party like hell meaning drinking everyday. Yes, I'm trying to get to get money w/o working and I'm not going to kill her. Do I need a lawyer?

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