 One is the insurance of a married couple, which is called survivorship. The insurance of a married couple is relatively cheaper than the insurance of a single person. Because one person, a couple of two people, one person is not there, he will not be compensated. Even if two people are not there, they will be compensated. There is also a cash value in it. But this cash value is normally the child's beneficiary can move. Then the donor cannot use it.