1. Life Insurance

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  1. About Life Insurance

    Life insurance is a contract between the policy holder and the insurer, where the insurer promises to pay a designated beneficiary a sum of money (the "benefits") upon the death of the insured person. Depending on the contract, other events such as terminal illness or critical illness may also trigger payment. In return, the policy holder agrees to pay a stipulated amount (the "premium") at regular intervals or in lump sums. In some countries, death expenses such as funerals are included in the premium; however, in the United States the predominant form simply specifies a lump sum to be paid on the insured's demise.

    The value for the policy owner is the 'peace of mind' in knowing that the death of the insured person will not result in financial hardship.

    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; common examples are claims relating to suicide, fraud, war, riot and civil commotion.

    Life-based contracts tend to fall into two major categories:
    * Protection policies – designed to provide a benefit in the event of specified event, typically a lump sum payment. A common form of this design is term insurance.
    * Investment policies – where the main objective is to facilitate the growth of capital by regular or single premiums. Common forms (in the US) are whole life, universal life and variable life policies.

  2. Quotes about Life Insurance

    1. Many companies offer access to life insurance plans.
      In Business Owners: Do You Have Proper Insurance Coverage?
    2. It is important that seniors are not misled by false information when making the important decision of whether to buy life insurance or other annuity products.
      In Illinois Optimist State Essay Contest
    3. If you are in good health, buying term life insurance in your thirties is dirt cheap and you can lock in low rates for 20 or 30 years.
      In The worst money mistakes you can make at any age
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