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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.

For this reason we ask all users to respect the wishes of models and to remain polite at all times.

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You can enjoy a huge range of categories featuring models of all shapes, ages, sizes, nationalities, and fetishes. We continually work hard in the background, adding new features, enhancing connection speeds, and listening to user feedback so that you can enjoy an incredible adult sex chat experience.

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.

Policy owner and the insured person Do keep in mind that the insured and the policy owner can be the same person or two different persons depending on the situation.

For example, if you buy a policy for yourself, you are both the owner and the insured.

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