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2. How aggressive they are 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. Unlike real estate property, insurance coverage typically specifies a beneficiary. In order to claim the arises from a life insurance coverage policy, the beneficiary is required to provide specific information to the company to ensure them to process the claim. One of the challenges that many people face is wondering how do life insurance coverage companies confirm death. Unlike some other assets, life insurance coverage policies do not automatically go on the spouse, even when you will find there's will. However, beneficiaries should realize that claiming benefits isn't as complicated because they may think. Beneficiaries are usually required to give you the following documentation: