Riley knows her ex-husband would not think about taking out a life insurance policy on himself to protect their two children in the event of his untimely death- As a result, Riley is taking out a policy on him and paying for it herself- That makes Riley the ________ and her children are the ________.

What Is the Difference Between Life and Health Insurance? 
Health insurance pays for your medical treatment, drugs, and preventative check-ups for you and others covered under your plan.

Life insurance provides a cash sum to your loved ones if you die during the length of the Life insurance policy.