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Such policies are known as term insurance policies.The other type of policy is bought from an investment perspective.

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

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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.

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