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...Employer employee scheme have an insurable interest in their employees and vice versa on the primary consideration alone provided we are able to satisfy ourselves about total absence of moral hazard element any given proposal would be justified grating insurance cover s life there can various reasons for employed his lives covered main here under i enlightened employers may like make provision as a welfare measure through dependants case early premature demised old age himself this consider one services benefits ii hold policy sufficient inducement or encouragement continue with him since has spend considerable amount money time train new moreover upon exit such existing loose some trade secrets iii desire give certain additional select band reward good who could not otherwise compensated keeping view above objectives proposals form following condition fulfilled will treated individual concerned irrespective whether proponent is b minimum sum assured shall determined terms rules relati...