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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.
In most cases, the dependents include the spouse, children, and parents.
However, a person may make anybody the beneficiary of the policy.
"Each year about 15 million adult Americans suffer from clinical depression." Furthermore, "...specialists predict that by 2020, depression would become the 2nd most common health problem throughout the world." Depression is a life-altering illness that affects not only those with it, but those who love the sufferer.
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Take British politician, Winston Churchill, who suffered from depression throughout his life, calling it his, "black dog." Sir Winston Churchill, in spite of his black dog went on to become a statesman, prime minister of England, an officer, historian, writer, Nobel Prize winner and was the first person to be recognized as an honorary citizen of the United States.
Despite Sir Winston Churchill's life-long battle, he was able to accomplish more than most; as can you.
Such policies are known as term insurance policies.
The other type of policy is bought from an investment perspective.