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Since we live in a society, the first thought that comes to our mind is how to protect those who are dependent on us.

Life insurance is about providing protection to the dependents.

There is a level of uncertainty over people's identity and it's good to take caution with the personal information you share.

For anyone who is looking to make connections but who might be immobile or simply wanting to reach out using technology, chat rooms can do the trick.

Many retired men and women are attracted to senior chat rooms as a way to be social and interact with other seniors online.

As the Internet becomes integrated into daily life, these chat rooms can provide a vital link to meeting people and continuing to keep the mind active. Many seniors see it as a time to do the fun activities that have been on their minds for years.

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.

For example, if you buy a policy for yourself, you are both the owner and the insured.

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Never give out information such as your address, phone number, credit card number or Social Security number.