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Friday, April 18, 2008. As with most insurance. Policies, life insurance is a contract between the insurer. And the policy owner (policyholder). Whereby a benefit is paid to the designated Beneficiary (or Beneficiaries) if an insured event. Occurs which is covered. By the policy. To be a life policy the insured event. Must be based upon life (or lives) of the people named in the policy. That may be covered include:. Life based contracts tend to fall into two major categories:. Types of life insurance.