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These can be called by different names like Universal, Permanent or Whole Life insurance.Term Insurance Term insurance is a kind of temporary insurance that would provide a death benefit for a certain period of time. Term insurance is not as costly as permanent insurance.The insurance companies insure a person in exchange for regular premiums.

Further, the insurance premiums vary from person to person depending on his or her age, smoking habits, medical history, driving record, job profile and other things.This way, they help the dependents live a normal life despite the demise of the concerning person.At the same time, there is a bit of commerce involved in this.is the fastest growing online personals, with thousands of hot new members every day!Use our real time video chat to check each other out and play before you meet.Universal / Permanent / Whole Life insurance These types of insurance policies are mostly bought by those who see insurance as a means of investment.There is an accumulation of money in these types of policies and there is a minimum sum assured to the beneficiary at the maturity of the policy. Prima facie, they are doing a good work by insuring people against any untoward incident.Since we live in a society, the first thought that comes to our mind is how to protect those who are dependent on us.Life insurance is about providing protection to the dependents.In Australia, premiums paid through superannuation fund are taxable.In many other cases, premiums do not come under the ambit of taxation laws.

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