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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.

These include riots, commotion, suicide and many other similar things.

The objective of this limitation is to prevent misuse of the policy and give insurance cover only to the deserving parties.

These can be called by different names like Universal, Permanent or Whole Life insurance.

Term Insurance Term insurance is a kind of temporary insurance that would provide a death benefit for a certain period of time. Term insurance is not as costly as permanent insurance.

At the same time, it also provides peace of mind to the living person.

However, having a life insurance policy does not mean that you will get life cover for all kinds of deaths.

The insurer has the right to deny selling a policy to an insurance seeker on various grounds.

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.

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.

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