This article may require cleanup to meet Wikipedia's quality standards. Please improve this article if you can. (July 2006) Life insurance or life assurance is a contract between the policy owner (or policy payer) 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 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 (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: * sickness 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 (after 2 years suicide has to be paid in full)(in India after one year Suicide is covered), 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 to be paid on the insured's demise. As with most insurance policies, life insurance is a pure death benefit, its primary use is to term life insurance quotes online from top term life insurance quotes, insurance company ratings, home insurance quotes, Here's a permanent insurance alternative to term life: universal life Term Life Insurance Now Up To $250, 000 w/ No Exam Required TermLifeInsuranceNowcom Term Life Insurance Save up to 75% Lowest Term Life Rates From Top Carriers Instantly wwwInsureMeOnlinecom Result Pages:   1  2  3  4  5  6  7  8  9  10  Next

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