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Statistically, it is estimated that greater than billion people are found below poverty line according to income standards and lack basic facilities to generate their lives valuable. In this way, people get alert to the truth that there are children living with restricted benefits and facilities cannot enjoy normal living standards. This is why a growing number of quantities of charitable and sponsorship agencies are increasingly being established. These corporations try hard to satisfy needs of the children but the high substantiate costs urge these to search for sponsors. This is the point where sponsorship agencies enter the scene. "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.