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Subject to the "fortuity principle", the event must be uncertain. The uncertainty can be either as to when the event will happen (e.g. in a life insurance policy, the time of the insured's death is uncertain) or as to if it will happen at all (e.g. in a fire insurance policy, whether or not a fire will occur at all). [4]
Life insurance (or life assurance, especially in the Commonwealth of Nations) is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money upon the death of an insured person.
An intriguing aspect of life insurance, especially within whole life policies, is the concept of limited-pay life insurance. This variation allows for a more accelerated premium payment schedule ...
Learn how this policy works and if it's right for you. Variable life insurance provides lifelong protection with a cash value that grows through investments. Learn how this policy works and if it ...
Here’s a closer look at what these policies cover and how they work: Term life insurance: Term life insurance is generally the cheapest kind of life insurance. It provides coverage over a ...