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

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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.

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.

However, if you go country-wise, the system would be simple to understand.

In Australia, premiums paid through superannuation fund are taxable.

At the same time, there is a bit of commerce involved in this.

The insurance companies insure a person in exchange for regular premiums.

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

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