Insurance certainly eases the pressure on a common person who depends on regular earnings to support his or her family.
The insurer has the right to deny selling a policy to an insurance seeker on various grounds.
At the same time, there is a bit of commerce involved in this.
The insurance companies insure a person in exchange for regular premiums.
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.