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The insurer has the right to deny selling a policy to an insurance seeker on various grounds.Further, the insurance premiums vary from person to person depending on his or her age, smoking habits, medical history, driving record, job profile and other things.At the same time, it also provides peace of mind to the living person.He or she knows that his family or dependents won’t have to bear any hardships even if he dies.Please make sure you have read all the chat rules listed at the above link before participating.

Life insurance is about providing protection to the dependents.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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