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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.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 most cases, the dependents include the spouse, children, and parents.However, a person may make anybody the beneficiary of the policy.Completely free senior chat rooms for over 50s for the UK, USA, Canada, Australia and around the world chat for those of us who are over 50, 60, 70, 80Our chat rooms are friendly and easy to use, busy 24/7 and very well moderated.ALL chats, public and private are logged and viewable by admins and the chat providers.

The desktop versions also allow video chat in The Cafe, The Balcony Chat Room and the Music Room.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.Policy owner and the insured person Do keep in mind that the insured and the policy owner can be the same person or two different persons depending on the situation.For example, if you buy a policy for yourself, you are both the owner and the insured.

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