Wednesday 16 September 2009

Types Of Life Cover

The most basic form of life insurance you can choose is term life assurance. When taking this type of policy you will pay a premium which is based on certain factors. Some of which include your age, whether you are a smoker and drinker and your occupation. Smokers and drinkers will have to pay out more for life insurance than those without the habit. Someone who is fit and healthy will also pay less for the insurance than someone who suffers a pre-existing condition. Once the premium has been determined then it would be paid for over a certain period of time, while you are paying the premium you are covered for the sum you insured against. However if you are still alive when the policy ends then the policy would also end and no payment would be made.
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