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.
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"Despite (or maybe because of) the debate regarding the legitimacy of the online sex-related discussions, one of their main characteristics was frequent commenting about the discussions’ role as a sphere for consultation and intellectual dialogue," the authors wrote.
"Defending the educational potential of the online discussions, some post authors emphasized their lack of exposure to sexual education earlier in their lives due to the sociocultural and historical circumstances in which they grew up."For some, sex was something they were never allowed to ask about; for others, it was a subject they now felt shame in bringing up, due to the pervasive belief, even among medical professionals, that sex should somehow stop mattering to someone past a certain age.
In most cases, the dependents include the spouse, children, and parents.