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Accidental Loss of life insurance plan may supplement standard existence insurance plan as being a rider. If a rider is purchased, the policy commonly pays double the deal with total if the insured dies from an accident.
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The beneficiary gets plan proceeds on the insured individual's Loss of life. The owner designates the beneficiary, although the beneficiary is not really a party on the plan. The proprietor can change the beneficiary unless the coverage has an irrevocable beneficiary designation.
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However, if Jane, his wife, purchases a policy on Joe's life, she could be the proprietor and he could be the insured. The policy proprietor will be the guarantor and they'll be the individual to pay for the coverage. The insured is really a participant from the deal, but not automatically a party to it.
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