For insurance purposes, which of the following would qualify someone as NOT being a relative?

For insurance purposes, identifying who is considered a relative is important, as it affects how claims are processed and what types of coverage may apply. The correct answer revolves around the concept of domicile and dependency in determining relational status.

A son or daughter living on their own would generally be considered not a relative for insurance purposes because they are considered independent from their parents. When children move out and are financially independent, they establish their own household, which typically means that insurance policies may not extend coverage benefits to them as if they were part of the parent’s household. This distinction is crucial in many insurance policies, as coverage often applies to dependents who reside with the policyholder.

In contrast, the other choices involve individuals who maintain a close association or live in the same household as their relatives, which would typically classify them as relatives under most insurance definitions. A sibling living with their parents, a spouse living separately (but still married), and a grandchild living with guardians typically maintain a relational and sometimes financial connection that qualifies them as relatives for insurance purposes.