Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured individual's or individuals' death or other event, such as terminal illness or critical illness. In return, the policy owner (or policy payer) agrees to pay a stipulated amount called a premium at regular intervals or in lump sums. There may be designs in some countries where bills and death expenses plus catering for after funeral expenses should be included in Policy Premium. In the United States, the predominant form simply specifies a lump sum to be paid on the insured's demise.
As with most insurance policies, life insurance is a contract between the insurer and the policy owner (policyholder) whereby a benefit is paid to the designated Beneficiary (or Beneficiaries) if an insured event occurs which is covered by the policy. To be a life policy the insured event must be based upon life (or lives) of the people named in the policy.
Insured events that may be covered include:
- Serious illness
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.
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 anyway) are whole life, universal life and variable life policies.
Everyone hits times of financial strain. If you experience a time when you are not able to pay the premium for your life insurance policy, you are not alone. But what can you do when you cannot afford to pay your life insurance premium? You have a few different options available to you during this time and there are a few different consequences.
When exploring life insurance options, the average consumer is presented with a bewildering array of companies and product choices. Breaking things down to simple life insurance basics can be a daunting task
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Just out of college, I went without health coverage for a couple of anxious months while I chewed Vitamin C and crossed my fingers. Once I got insurance, I found myself chewing on a lot of Cheerios just to afford the monthly payments. I paid nearly as much for my health insurance every month as I did my rent.
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