In what scenarios would a life insurance policy have "additional insureds"?

A life insurance policy may have "additional insureds" in scenarios where it covers more than one individual, providing benefits for multiple lives. This type of policy is often structured to offer coverage not just for the primary insured but also for other individuals, who could be family members, business partners, or others who have insurable interest in one another.

Having additional insureds allows the policy to address multiple risk exposures within a single contract, which can be a more efficient solution for families or groups needing coverage. In case of the death of any of the insured individuals listed, a benefit would be payable to the beneficiaries of the policy, ensuring that the financial impact is mitigated for those who are covered.

The other scenarios do not inherently involve having additional insureds as they refer to specific situations or aspects of life insurance policies rather than the concept of multiple insured parties. For instance, a policyholder with a child as a primary insured, the selling of a policy, or instances of increasing premiums, do not establish a framework for additional insured individuals within a life insurance policy.