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The policyowner is the person who owns a life insurance policy. This is usually the insured person, but it may also be a relative of the insured, a partnership or a corporation. When it comes to choosing a life insurance policy, you may feel dazed by your options. Here are the basic types and the pros and cons of each. If you are interested in a life insurance policy, any insurance salesperson will be delighted to explain the policies available to you. But unless you educate yourself first, it's all too easy to get confused by insurance policy talk and end up paying too much for a policy that may not meet your needs.