What Is A Dependent On Life Insurance? 
A dependent on a life insurance policy is usually a spouse or a child that has been added to the coverage of a primary insured . The upside of doing this is to save premium dollars on the insurance . The downside to purchasing life insurance this way is if the primary insured dies to the rest of the family is left uninsured . Be sure the company allows you to convert to a permanent plan if you do purchase one this way . 