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The new owner must pay the premiums and thus will collect the benefit when the original policy owner dies (as the original policy owner is still the ‘insured’). If cost is the priority, you'll almost always save more by using a PPO instead of buying traditional insurance. Greenwich Insurance Benefits
You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service. You can get substantial discounts if you buy your health insurance policy from the same insurance company that maintains your other policies. Greenwich Insurance Benefits