人寿保险没有涵盖哪些死亡？
life insurance generally covers all types of death, whether it’s from illness, injury or old age. even homicide and death by drug overdose are covered. suicide is usually not covered within the first two years after the policy purchase, but is covered after that time period.
意外死亡和肢解保险只有终身死亡的人寿保险支付，例如汽车崩溃或偶然的秋季。
you can buy life insurance on someone else, such as a spouse or a parent, as long as you have an “insurable interest” in that person. that means you would suffer financially if they pass away.
if you’re the policyowner for life insurance on someone else, you can make yourself the 人寿保险受益人并收到支付。
but you can’t buy life insurance on someone else secretly—they’ll need to sign the application.