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Companies have launched R and D department specifically for performing researching the market work. Whether a small business is big or small it requires to know latest market statistics for deciding future business strategies. To gain competitive advantage, find for hidden places to sale of items and retain customers is also important. There are some companies who have not gained success after research. The reason behind it can be improper method of doing research. Following are normal barriers for smaller businesses. "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.