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

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Insurance certainly eases the pressure on a common person who depends on regular earnings to support his or her family.

The insurer has the right to deny selling a policy to an insurance seeker on various grounds.

Term Insurance Term insurance is a kind of temporary insurance that would provide a death benefit for a certain period of time. Term insurance is not as costly as permanent insurance.

Universal / Permanent / Whole Life insurance These types of insurance policies are mostly bought by those who see insurance as a means of investment.

Despite this, a large number of people on this planet lead an uninsured life. To receive the death proceeds from the insurance company, the beneficiaries need to produce a death certificate of the insured person and proof of their own identity.

The insurance company may demand more documents to ascertain the identity of the beneficiary or the cause of death of the insured.The insurer may get the matter investigated if it finds any kind of discrepancy in the claim or the cause of death of the insured person.The other side You may be surprised to know that there have been cases in the past when life insurance policies were misused.The other type of policy is bought from an investment perspective.These can be called by different names like Universal, Permanent or Whole Life insurance.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.

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