hello !
Life Insurance is insurance contract entered into between the owner of the insurance policy and insurance company, insurer, which Btfq that the insurance company to pay a certain amount of money in the event of death of the policy to his successors. The owner of the policy in return a sum of money in monthly installments Policy Premium or the amount of money at once, and the contract specifies the duration of the contract. In the United States agreed in the contract is usually the amount you pay the company to the heirs in the event of death of the policy.
Two types of life insurance
- Insurance at life only, and this type includes a contract that the insurance company which pay a certain sum of money to heirs in case of death of the policyholder during the term of the contract, (the benefit of the policy provide heirs for the period of time, their access to the amount contracted, and may be sons of palace to the owner of the policy.) 2 - contract includes life insurance and savings: Under this contract the insurance company will pay the amount contracted to the heirs in the event of death of the policy, or pay to the owner of the policy amount last contracted in the case of his arrival in the age of 65 years, for example, be for him part of the pension.
Due to the different types of insurance contract, the monthly premium, which the owner of the policy to reimburse the insurance company according to type a lot less for the first installment to be paid if a contract concluded by the second type, which includes saving.
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