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With the purpose to protect people from the uncertainty of tomorrow, life insurance policies were brought into the existence. Earlier, it was quite a difficult task to get an insurance for yourself but now the technical revolution has made it easier. Now, people can receive life insurance quotes online at their fingertips. Still, not everyone gets it easily. If you are a seafarer, coal-mine supervisor or a chemical plant engineer, your life is considered at risk all the time and insurance companies hesitate to offer a plan to those buyers.