A proposer is a person who actualy pays for the policy. This is an important point while taking an insurance policy, either tradiotional insurance or ULIP.
If a person is capable and pays for himself, the proposer and life assured are same( here the concept of proposer dosen’t come)
If a person pays the premium for others (dependents), he is called proposer and the life insured is the one on whose behalf the premium is paid.
A perosn can only pay for their unearned wife/husband and their children.