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Life assurance for life and death
Life assurance, also known as life insurance, is an assurance policy that pays out a lump sum to a named person(s) in the event of your death. This type of assurance policy is inexpensive to maintain, assurance premiums being very low if [url=http://www.tagverts.com/barbour.php]barbour deutschland[/url] you take up the assurance policy early in life. Depending on the nature of the assurance policy you may pay assurance premiums up until the end of your life or up until a specified age.
You can also format your assurance policy as a single life policy or as a joint life policy. For married couples with a mortgage and/or dependants, a joint life policy [url=http://www.riad-marrakesh.fr]abercrombie[/url] is often the preferred type of assurance to opt for as the assurance policy has the flexibility to pay out on first death or second death. An assurance policy that pays out on first death is beneficial for those carrying a mortgage and where the deceased's life partner and/or dependants are still alive.
Types of life assurance policies
When considering buying into a life policy you'll find three basic types of assurance policy available from assurance companies - term assurance, family income assurance and whole life assurance.
Term assurance - Term assurance is a straightforward life policy that pays out a tax-free lump sum upon your death. This is a basic life policy that runs to a specified term, often coinciding with the life of a mortgage.
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