About insurance. Life insurance. Home insurance. Car insurance. Travel insurance. Contacts.

Life insurance.

Life insurance is a sign between the policy owner and the insurer, where the insurer agrees to give money a sum of money upon the occurrence of the policy owner's death. In return, the policy owner agrees to pay a stipulated amount called a premium at regular intervals.
As with most insurance polices, life assurance is a sign between the insurer and the policy owner whereby a benefit is paid to the designated Beneficiary if an insured event occurs which is covered by the policy. To be a life policy the insured event must be based upon life of the people named in the policy.
Insured events that may be covered include:
  • death
  • accidental death
Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; for example claims relating to suicide, fraud, war, riot and civil commotion.
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