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For example, if you buy a policy for yourself, you are both the owner and the insured.
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.
Since we live in a society, the first thought that comes to our mind is how to protect those who are dependent on us.
Life insurance is about providing protection to the dependents.