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Person who purchased the policy is the owner. The insured is the person who will have to die in order to get paid. The beni is the person who will get paid once the insured dies.

Considering the way University of Phoniex is a scam in itself, I highly doubt that Apollo Groups has good business practices. If you are just starting a new job do you really expect to be able to take an extended period of time off. Most places do not even give paid vacation for a first year...

THEY PRE APPROVED YOU You were not actually approved trust me I was there with you not to long ago. I had to put down 2 grand for them to even consider me. next time try being less arrogant.