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However, having a life insurance policy does not mean that you will get life cover for all kinds of deaths.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.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.Taxation Taxation in the context of insurance is a complicated matter especially when you think of it from a global perspective.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.
The insurer has the right to deny selling a policy to an insurance seeker on various grounds.
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.
Such policies are known as term insurance policies.
At the same time, there is a bit of commerce involved in this.
The insurance companies insure a person in exchange for regular premiums.
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.