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Governments around the world encourage people to go for insurance.Many countries give incentives in different forms to encourage this practice.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.These include riots, commotion, suicide and many other similar things.There is an accumulation of money in these types of policies and there is a minimum sum assured to the beneficiary at the maturity of the policy. Prima facie, they are doing a good work by insuring people against any untoward incident.This way, they help the dependents live a normal life despite the demise of the concerning person.However, a person may make anybody the beneficiary of the policy.The insurance policy is a legal contract between the insurer and the insured.

However, if you buy a policy for your spouse, you are the policy owner while your spouse is the insured person.

He or she knows that his family or dependents won’t have to bear any hardships even if he dies.

In most cases, the dependents include the spouse, children, and parents.

Death is the only thing that is certain in this world.

Since we live in a society, the first thought that comes to our mind is how to protect those who are dependent on us.

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

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