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	<title>life-insurance-explained.com &#187; life insurance</title>
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	<link>http://www.life-insurance-explained.com</link>
	<description>Life Insurance Explained - Everything About Life Insurance</description>
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		<title>Stranger Originated Life Insurance</title>
		<link>http://www.life-insurance-explained.com/senior-life-insurance/stranger-originated-life-insurance/</link>
		<comments>http://www.life-insurance-explained.com/senior-life-insurance/stranger-originated-life-insurance/#comments</comments>
		<pubDate>Tue, 22 Dec 2009 12:53:44 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Senior Life]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[spin life insurance]]></category>
		<category><![CDATA[STOLI]]></category>
		<category><![CDATA[Stranger Originated Life Insurance]]></category>

		<guid isPermaLink="false">http://www.life-insurance-explained.com/?p=293</guid>
		<description><![CDATA[
A stranger originated life insurance (STOLI) is one which is taken out by a person who has no relationship to the insured. Such type of insurance has drawn criticism since it provides the opportunity for murder. Such type of insurance is also used as an investment technique whereby the person who takes out life insurance [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Child Life Insurance: The Paradox</title>
		<link>http://www.life-insurance-explained.com/childrens-life-insurance/child-life-insurance-the-paradox/</link>
		<comments>http://www.life-insurance-explained.com/childrens-life-insurance/child-life-insurance-the-paradox/#comments</comments>
		<pubDate>Fri, 18 Dec 2009 09:45:45 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Children's]]></category>
		<category><![CDATA[Child life insurance]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[term insurance]]></category>

		<guid isPermaLink="false">http://www.life-insurance-explained.com/?p=258</guid>
		<description><![CDATA[
Child life insurance is one that provides financial reimbursement in case of the death of a person’s child. This type of insurance can also be used if the child develops a serious illness and would like to have life insurance when he or she becomes an adult. The insurance typically covers the costs that would [...]]]></description>
		<wfw:commentRss>http://www.life-insurance-explained.com/childrens-life-insurance/child-life-insurance-the-paradox/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Senior Life Insurance: Various Options</title>
		<link>http://www.life-insurance-explained.com/senior-life-insurance/senior-life-insurance/</link>
		<comments>http://www.life-insurance-explained.com/senior-life-insurance/senior-life-insurance/#comments</comments>
		<pubDate>Thu, 17 Dec 2009 10:00:10 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Senior Life]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[life insurance after retierment]]></category>
		<category><![CDATA[Life settlement fund]]></category>

		<guid isPermaLink="false">http://life-insurance-explained.com/?p=239</guid>
		<description><![CDATA[
Senior life insurance can be of great importance to people who have crossed the age of 50 or 65. This is because many people do not want to burden their loved ones with funeral and other related expenses when they die. A senior life insurance ensures that your family does not have to shell out [...]]]></description>
		<wfw:commentRss>http://www.life-insurance-explained.com/senior-life-insurance/senior-life-insurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Insurance Bond: A Tax Deferred Investment</title>
		<link>http://www.life-insurance-explained.com/whole-life-insurance/insurance-bond/</link>
		<comments>http://www.life-insurance-explained.com/whole-life-insurance/insurance-bond/#comments</comments>
		<pubDate>Wed, 16 Dec 2009 11:33:08 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Whole Life]]></category>
		<category><![CDATA[bonds]]></category>
		<category><![CDATA[Insurance bond]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[life insurance bonds]]></category>
		<category><![CDATA[whole life]]></category>

		<guid isPermaLink="false">http://life-insurance-explained.com/?p=183</guid>
		<description><![CDATA[
An insurance bond is a type of life assurance policy that has one single premium and is used as a tax free investment vehicle in countries such as U.K. After the introduction of unitized insurance funds such bonds are called unit linked bonds or investment bonds.

An insurance bond may be a tax deferred vehicle for [...]]]></description>
		<wfw:commentRss>http://www.life-insurance-explained.com/whole-life-insurance/insurance-bond/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Adjustable Life Insurance: A Flexible Option</title>
		<link>http://www.life-insurance-explained.com/universal-life-insurance/adjustable-life-insurance-a-flexible-option/</link>
		<comments>http://www.life-insurance-explained.com/universal-life-insurance/adjustable-life-insurance-a-flexible-option/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 13:05:09 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Universal Life Insurance]]></category>
		<category><![CDATA[adjustable insurance]]></category>
		<category><![CDATA[Adjustable life insurance]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[variable life insurance]]></category>

		<guid isPermaLink="false">http://bettertestlife.com/?p=78</guid>
		<description><![CDATA[
Adjustable life insurance makes the life insurance policy more flexible and consumer friendly. Usually in an adjustable life insurance the premiums and coverage offered can be changed according to the needs and circumstances by the policy holder. This makes these policies similar to variable life insurance. The difference being that variable life insurance does not [...]]]></description>
		<wfw:commentRss>http://www.life-insurance-explained.com/universal-life-insurance/adjustable-life-insurance-a-flexible-option/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Variable Universal Life Insurance</title>
		<link>http://www.life-insurance-explained.com/universal-life-insurance/variable-universal-life-insurance/</link>
		<comments>http://www.life-insurance-explained.com/universal-life-insurance/variable-universal-life-insurance/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 12:56:39 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Universal Life Insurance]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[variable life insurance]]></category>
		<category><![CDATA[Variable universal life insurance]]></category>
		<category><![CDATA[VUL]]></category>

		<guid isPermaLink="false">http://bettertestlife.com/?p=75</guid>
		<description><![CDATA[
Variable universal life insurance (VUL) is one that builds cash value and operates very much like a mutual fund. The amount is invested in various stocks and bonds just like in a mutual fund and the benefit (dividend) is then passed on to the consumer. These are a type of permanent life insurance policy since [...]]]></description>
		<wfw:commentRss>http://www.life-insurance-explained.com/universal-life-insurance/variable-universal-life-insurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Insurance Underwriting: Risky Business</title>
		<link>http://www.life-insurance-explained.com/basics/insurance-underwriting/</link>
		<comments>http://www.life-insurance-explained.com/basics/insurance-underwriting/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 12:39:26 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Basics]]></category>
		<category><![CDATA[actuary]]></category>
		<category><![CDATA[Insurance underwriting]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[risk]]></category>
		<category><![CDATA[Senior Life]]></category>
		<category><![CDATA[Term Life]]></category>
		<category><![CDATA[underwriting]]></category>
		<category><![CDATA[Universal Life Insurance]]></category>
		<category><![CDATA[whole life]]></category>

		<guid isPermaLink="false">http://bettertestlife.com/?p=72</guid>
		<description><![CDATA[
Underwriting is a broad term used for assessing the risks involved in offering a financial product to a consumer. Underwriting is basically the evaluation of the risk that the company will face and whether the insured is eligible for insurance. It is carried out in many fields such as mortgage, capital, insurance or credit. However [...]]]></description>
		<wfw:commentRss>http://www.life-insurance-explained.com/basics/insurance-underwriting/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Corporate Owned Life Insurance: Nothing Personal</title>
		<link>http://www.life-insurance-explained.com/whole-life-insurance/corporate-owned-life-insurance/</link>
		<comments>http://www.life-insurance-explained.com/whole-life-insurance/corporate-owned-life-insurance/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 12:31:52 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Whole Life]]></category>
		<category><![CDATA["Janitor" insurance]]></category>
		<category><![CDATA[COLI]]></category>
		<category><![CDATA[Corporate owned life insurance]]></category>
		<category><![CDATA[dead peasants insurance]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[whole life]]></category>

		<guid isPermaLink="false">http://bettertestlife.com/?p=69</guid>
		<description><![CDATA[
Corporate owned life insurance (COLI) is taken out by a company for their employees; however the death benefit goes to the company instead of any relatives or family members of the insured. Many companies took advantage of such tax-free insurance policies in order to provide coverage to even those people who earned very low wages.

The [...]]]></description>
		<wfw:commentRss>http://www.life-insurance-explained.com/whole-life-insurance/corporate-owned-life-insurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Whole Life Insurance: Types</title>
		<link>http://www.life-insurance-explained.com/whole-life-insurance/whole-life-insurance/</link>
		<comments>http://www.life-insurance-explained.com/whole-life-insurance/whole-life-insurance/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 12:06:53 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Whole Life]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[types of whole life]]></category>
		<category><![CDATA[whole life]]></category>

		<guid isPermaLink="false">http://bettertestlife.com/?p=60</guid>
		<description><![CDATA[
Whole life insurance is one that which remains in force for the whole life of the insured person. The need for such insurance arose because all insurance policies used to be term insurance. This did not go well with the majority of people who had nothing to show for the amount shelled out as premiums [...]]]></description>
		<wfw:commentRss>http://www.life-insurance-explained.com/whole-life-insurance/whole-life-insurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A Valued Policy: An Overview</title>
		<link>http://www.life-insurance-explained.com/whole-life-insurance/valued-policy/</link>
		<comments>http://www.life-insurance-explained.com/whole-life-insurance/valued-policy/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 11:57:17 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Whole Life]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[life insurance policy]]></category>
		<category><![CDATA[Valued policy]]></category>
		<category><![CDATA[whole life]]></category>

		<guid isPermaLink="false">http://bettertestlife.com/?p=57</guid>
		<description><![CDATA[
A valued policy is one in which the full face value of the policy is paid in the event of complete loss; it does not matter what the actual value of the property that is involved is. Life insurance policies are quintessentially valued policies; however valued policies can be purchased for home as well as [...]]]></description>
		<wfw:commentRss>http://www.life-insurance-explained.com/whole-life-insurance/valued-policy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Life Settlement Fund: A Better Alternative</title>
		<link>http://www.life-insurance-explained.com/senior-life-insurance/life-settlement-fund/</link>
		<comments>http://www.life-insurance-explained.com/senior-life-insurance/life-settlement-fund/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 11:48:05 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Senior Life]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[Life settlement fund]]></category>
		<category><![CDATA[Universal Life Insurance]]></category>
		<category><![CDATA[whole life]]></category>

		<guid isPermaLink="false">http://bettertestlife.com/?p=54</guid>
		<description><![CDATA[
Life insurance is one of the biggest industries on earth, and the life settlement fund is one of the newest manifestation or by-product of the developing insurance business. A life settlement fund could refer to several numbers of institutional financiers who procure life insurance policies from those who would if not cash them out and [...]]]></description>
		<wfw:commentRss>http://www.life-insurance-explained.com/senior-life-insurance/life-settlement-fund/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Child Life Insurance</title>
		<link>http://www.life-insurance-explained.com/childrens-life-insurance/child-life-insurance/</link>
		<comments>http://www.life-insurance-explained.com/childrens-life-insurance/child-life-insurance/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 11:40:06 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Children's]]></category>
		<category><![CDATA[Child life insurance]]></category>
		<category><![CDATA[kids life insurance]]></category>
		<category><![CDATA[life insurance]]></category>

		<guid isPermaLink="false">http://bettertestlife.com/?p=51</guid>
		<description><![CDATA[
Child life insurance is a very broad term and it comes in many forms but basically is built in order to insure the life of a child. However the terms and conditions of the policy may differ from one company to another. This type of insurance can also be used if the child develops a [...]]]></description>
		<wfw:commentRss>http://www.life-insurance-explained.com/childrens-life-insurance/child-life-insurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Universal Life Insurance</title>
		<link>http://www.life-insurance-explained.com/universal-life-insurance/universal-life-insurance/</link>
		<comments>http://www.life-insurance-explained.com/universal-life-insurance/universal-life-insurance/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 11:33:58 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Universal Life Insurance]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[Permanent life insurance]]></category>
		<category><![CDATA[Whole Life]]></category>

		<guid isPermaLink="false">http://bettertestlife.com/?p=48</guid>
		<description><![CDATA[
Universal life insurance is a type of permanent life insurance that builds cash value and this cash value is credited each month with an interest. The interest rate is determined by the insurer or is linked to a financial index. However the policy is debited each month with the cost of insurance, any fees and [...]]]></description>
		<wfw:commentRss>http://www.life-insurance-explained.com/universal-life-insurance/universal-life-insurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Life Insurance Trust</title>
		<link>http://www.life-insurance-explained.com/whole-life-insurance/life-insurance-trust/</link>
		<comments>http://www.life-insurance-explained.com/whole-life-insurance/life-insurance-trust/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 11:16:48 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Whole Life]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[Life insurance trust]]></category>
		<category><![CDATA[trust]]></category>
		<category><![CDATA[whole life]]></category>

		<guid isPermaLink="false">http://bettertestlife.com/?p=42</guid>
		<description><![CDATA[
A life insurance trust is one which is non-revocable and cannot be changed once it is started. The trust acts as the possessor and the receiver of the profits from one or more life insurance policies. In the event of the death of the insured entity, the trustee or manager of the trust supervises every [...]]]></description>
		<wfw:commentRss>http://www.life-insurance-explained.com/whole-life-insurance/life-insurance-trust/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Decreasing Term Life Insurance</title>
		<link>http://www.life-insurance-explained.com/term-life-insurance/decreasing-term-life-insurance/</link>
		<comments>http://www.life-insurance-explained.com/term-life-insurance/decreasing-term-life-insurance/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 11:10:17 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Term Life]]></category>
		<category><![CDATA[Decreasing term life insurance]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[life insurance]]></category>

		<guid isPermaLink="false">http://bettertestlife.com/?p=39</guid>
		<description><![CDATA[
Decreasing term life insurance is a type of term life insurance. It is different from a level term insurance, which guarantees a fixed payout if you pass away or if you are detected with a serious disease or disability as defined by the policy. As an alternative, the quantity of disbursement reduces, frequently on an [...]]]></description>
		<wfw:commentRss>http://www.life-insurance-explained.com/term-life-insurance/decreasing-term-life-insurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Term Life Insurance: Pros and Cons</title>
		<link>http://www.life-insurance-explained.com/term-life-insurance/term-life-insurance/</link>
		<comments>http://www.life-insurance-explained.com/term-life-insurance/term-life-insurance/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 10:52:41 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Term Life]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[short term life insurance]]></category>

		<guid isPermaLink="false">http://bettertestlife.com/?p=32</guid>
		<description><![CDATA[
Term insurance is short term in nature and provides protection for usually one year. This is the cheapest form of insurance that is available albeit the catch is that you do not get anything if the term expires. This type of insurance can be renewed periodically and requires lesser amount of premiums to be paid.

The [...]]]></description>
		<wfw:commentRss>http://www.life-insurance-explained.com/term-life-insurance/term-life-insurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Life Annuity And Insurance</title>
		<link>http://www.life-insurance-explained.com/senior-life-insurance/life-annuity-and-insurance/</link>
		<comments>http://www.life-insurance-explained.com/senior-life-insurance/life-annuity-and-insurance/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 10:46:13 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Senior Life]]></category>
		<category><![CDATA[annuities]]></category>
		<category><![CDATA[life annuities]]></category>
		<category><![CDATA[Life annuities and insurance]]></category>
		<category><![CDATA[life insurance]]></category>

		<guid isPermaLink="false">http://bettertestlife.com/?p=29</guid>
		<description><![CDATA[
Life annuity is a contract between a financial institution and the consumer where the consumer makes a lump sum or series of payments to the institution. In return for these payments, the consumer gets regular paybacks from the insurance company or the financial institution after retirement or after a stipulated period of time.

A major advantage [...]]]></description>
		<wfw:commentRss>http://www.life-insurance-explained.com/senior-life-insurance/life-annuity-and-insurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>93 Life Insurance Related Terms</title>
		<link>http://www.life-insurance-explained.com/basics/93-life-insurance-related-terms/</link>
		<comments>http://www.life-insurance-explained.com/basics/93-life-insurance-related-terms/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 10:10:02 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Basics]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[insurance related terms]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[life insurance glossary of terms]]></category>
		<category><![CDATA[Universal Life Insurance]]></category>
		<category><![CDATA[whole life]]></category>

		<guid isPermaLink="false">http://bettertestlife.com/?p=21</guid>
		<description><![CDATA[
Life insurance or for that matter any type of insurance is a little complicated to understand for people who have no formal education in finance related topics. However, even though insurance (especially life insurance) is a complicated subject, the basics are easier to understand and may go a long way in ensuring that you choose [...]]]></description>
		<wfw:commentRss>http://www.life-insurance-explained.com/basics/93-life-insurance-related-terms/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Permanent Life Insurance</title>
		<link>http://www.life-insurance-explained.com/whole-life-insurance/permanent-life-insurance/</link>
		<comments>http://www.life-insurance-explained.com/whole-life-insurance/permanent-life-insurance/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 09:23:15 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Whole Life]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[Permanent life insurance]]></category>
		<category><![CDATA[Universal Life Insurance]]></category>
		<category><![CDATA[whole life]]></category>

		<guid isPermaLink="false">http://bettertestlife.com/?p=18</guid>
		<description><![CDATA[
Permanent Life Insurance is a type of insurance that stays in force until the policy matures or till the event of the death of the insured person. These are more binding and expensive compared to term insurances. However, these are more popular in many developing countries compared to term insurances. The basic types of permanent [...]]]></description>
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		<title>Life Insurance Basics</title>
		<link>http://www.life-insurance-explained.com/basics/life-insurance-basics/</link>
		<comments>http://www.life-insurance-explained.com/basics/life-insurance-basics/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 09:03:46 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Basics]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[insurance basics]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[Life insurance basics]]></category>
		<category><![CDATA[whole life]]></category>

		<guid isPermaLink="false">http://bettertestlife.com/?p=7</guid>
		<description><![CDATA[
Life insurance covers the risk of financial loss due to the death of the policy holder. However, there may be other parties to this contract. A person can be insured by his wife where the policy holder is the wife however the insured person is the husband. The various types of insurances include whole life [...]]]></description>
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