Life cover will be arranged either as part of your plan or as a separate policy.

Under separate policies, the husband's annual premium would be $1,658 and the wife's $1,461, for a total of $3,119.

That is cheaper than buying three separate policies, but still beyond the reach of many families.

They would have been much better off buying three separate policies to begin with, she said.

In Nepal, there are no separate policies or laws for community radio.

A service plan is a separate policy from the manufacturer's warranty.

Spouses can take out separate policies that enable one to tap into the other's benefits.

Some travel insurance companies offer separate annual policies for baggage.

Will I also have to take out a separate policy on, say, my lower intestine?

Segregation and the "separate but equal" policy lost credibility in American society.