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9. Their emotional appeal "How can I check if my hubby had life insurance coverage I don't know about," is a common question many surviving spouses have. Life insurance could be bought by way of a payroll deduction in the office or accompany various other invesmtent for example an IRA or stock purchase. It is common for that policyholder to never disclose the protection with an heir, a good wife. For some, it could look like bad luck. For others, a policy could have been established and before marriage. In September 2004 the EU implemented legislation that banned using over 1,000 chemicals of concern in personal care products. The prohibited chemicals were those known or strongly suspected of causing cancer, mutation, or birth defects. The EU ban has served being a wake-up demand many US companies who market a few overseas. In response some companies have replaced toxins in their goods, for example phthalates, parabens, and formaldehyde with non-toxic alternatives.