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The insurance companies insure a person in exchange for regular premiums.

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Such policies are known as term insurance policies.

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

This way, they help the dependents live a normal life despite the demise of the concerning person.

At the same time, there is a bit of commerce involved in this.

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.Types of insurance policies Though there are many types of life insurance policies available on the market, most of them can be broadly classified into two categories.One is for the sole purpose of protection so that the dependents of a person can be supported after the demise of the insured person.Our mobile app has all the features of our site and even more. Where ever you are on mylol you can always access your conversations directly. Create yourself a profile today and start meeting new people! You can message, vote, search, upload photos and creat yourself a unique profile. In most cases, the dependents include the spouse, children, and parents.

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