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In most cases, the dependents include the spouse, children, and parents.However, a person may make anybody the beneficiary of the policy.

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The insurance policy is a legal contract between the insurer and the insured.

However, having a life insurance policy does not mean that you will get life cover for all kinds of deaths.

Types of insurance policies Though there are many types of life insurance policies available on the market, most of them can be broadly classified into two categories.

One is for the sole purpose of protection so that the dependents of a person can be supported after the demise of the insured person.

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.Check out how easy it is, Enjoy your random chat experience!Death is the only thing that is certain in this world.Such policies are known as term insurance policies.The other type of policy is bought from an investment perspective.Universal / Permanent / Whole Life insurance These types of insurance policies are mostly bought by those who see insurance as a means of investment.

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