The allowance company has always marketed itself to describe their company as an honest, 'charity' organizations are ready to assist you in case of any danger. Though they help in protecting assets, they are still a business. That means their primary goal is to make a profit and stay in business. The only way they can do this is to ensure that the pay outs are much lower than the overall premium paid.
One of the tricks the insurance companies use to do that introduce loopholes to help them avoid some compensation for their clients when Benefit claims submitted. No Benefit Fortunately for them, most people do not pay absorption to 'fine print before signing the insurance papers. Therefore they are willing to commit to a contract of insurance without a absolute compassionate of the requirements and candidates