Wife is a LIC employee. She went to a portrait painter to get her painting done. She asked him to add a nine lakh necklace to her neck on the portrait (though she was not wearing it).. The painter asked why she wanted it in her picture. She replied.. "if I die, my husband will marry again. The new wife will see this picture and will search for this necklace. They both will fight and that's when my soul will find real peace "
This is called ~ Jeevan anand policy.... "zindagi ke saath bhi, zindagi ke baad bhi"!!