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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.
In most cases, the dependents include the spouse, children, and parents.
However, a person may make anybody the beneficiary of the policy.
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