Life insurance

Life insurance (life assurance in louise) 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's death. In return, the policyowner (or policy payor) agrees to pay a stipulated amount called a premium at regular intervals.

As with most insurance polices, life assurance 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 name in the policy.

Insured events that may be covered include:
death, diagnosis of a terminal illness, diagnosis of a critical illness, disability due to ill health, permanent disability, accidental death requirement for long term care. (This list is not exhaustive).

Life policies are typically presented as types 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 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. Investment policies - where the main objective is to facilitate the growth of capital by regular or single premiums.

car insurance companies

Car insurance rates becomes essential after purchasing of car and hence it is beneficial for the consumers to get the car insurance rates.The people who gets car insurance may find it a little difficult and may even struggle to pay the insurance bill every month becauase the insurance rates are fluctuating and keep varying from time to time. Hence it is advisable to have the issue of car insurance cost to be sorted out earlier and find a solution for it so that it does not pose a problem later.

Generally people are made to pay too much for Car insurance and hence it becomes little difficult to save some money with it.There are some companies though where you are not made to pay too much for the same coverage of insurance and this is where the people are tend to shift their loyalty.

travel insurance

Travel is a major part of everyone’s life as more and more of us take holidays and make business trips abroad.The purpose of travel insurance is to provide protection for travelers against the unique risks associated with travel, before trip departure and during the trip itself. Many of these risks, such as trip interruption, are not generally covered by any other insurance available to travelers.