Which of the following types of coverage must have a proven insurable interest at the time of the application?

The requirement for proving insurable interest is a fundamental principle in insurance that ensures that a person applying for coverage stands to suffer a loss if the insured event occurs. This principle helps prevent moral hazard, where individuals may take out policies with the intent to profit from the insured's misfortune.

In the context of the options provided, coverage for a minor child or a corporate-owned policy on an employee requires a demonstrated insurable interest. When it comes to minors, parents or guardians usually have a clear insurable interest due to their financial responsibility and emotional connection to the child's wellbeing. For corporate-owned policies, businesses typically have an insurable interest in their employees because the loss of an employee could lead to financial damage to the company.

The other options do not have the same strict requirements for proving insurable interest at the time of the application. Coverage for oneself inherently assumes a personal interest, while coverage for a spouse or domestic partner, although it generally requires some level of interest, may not necessitate proof in the same way, especially if the policy amount is below a particular threshold. The last option involves a different type of interest that may not require strict proof at the application stage compared to the specific circumstances surrounding minors and corporate policies.