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In most cases, the dependents include the spouse, children, and parents.

However, a person may make anybody the beneficiary of the policy.

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I've seen quite a few adds in various trashy newspapers made by older women who are searching for a younger man for sex.The problem is, it's virtually impossible to contact these numbers.These include riots, commotion, suicide and many other similar things.The objective of this limitation is to prevent misuse of the policy and give insurance cover only to the deserving parties.However, if you buy a policy for your spouse, you are the policy owner while your spouse is the insured person.

In simple words, the person who pays the premiums is the policy owner while the person who is covered by the policy is the insured person. Most of the life insurance policies do not cover deaths due to man-made events.

Such policies are known as term insurance policies.

The other type of policy is bought from an investment perspective.

Policy owner and the insured person Do keep in mind that the insured and the policy owner can be the same person or two different persons depending on the situation.

For example, if you buy a policy for yourself, you are both the owner and the insured.

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