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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 (the benefit) in exchange for a premium, upon the death of an insured person (often the policy holder). Depending on the contract, other events such as terminal illness or critical illness can also trigger payment.


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.


Protection policies – designed to provide a benefit, typically a lump sum payment, in the event of a specified occurrence. A common form—more common in years past—of a protection policy design is term insurance.

Term insurance allows a person to acquire the greatest death benefit for the lowest premium outlay when the policy is first issued.

Term insurance allows a person to acquire the greatest death benefit for the lowest premium outlay when the policy is first issued.

Term insurance allows a person to acquire the greatest death benefit for the lowest premium outlay when the policy is first issued.

Term insurance allows a person to acquire the greatest death benefit for the lowest premium outlay when the policy is first issued.

Term insurance allows a person to acquire the greatest death benefit for the lowest premium outlay when the policy is first issued.

Term insurance allows a person to acquire the greatest death benefit for the lowest premium outlay when the policy is first issued.