The most common way is a joint retirement annuity; it is often issued by husbands for wives-housewives. Women devote themselves to families, and husbands emphasize their importance.
Another way to present insurance is to transfer ownership of your policy. This option means that the beneficiary will not only receive benefits in the event of your death, but will become the policy owner. The person will be able to pay premiums under this policy in order to maintain its activity. This will allow him and you to receive tax preferences.
Buying a new policy as a gift is a great option for a young relative who is hesitant to make savings.
Photos are from open sources.