Everything You Need to Know About Life Insurance

Life insurance is a type of protection that can be bought and insures the buyer in the event of death. The risk that is assumed by the insurer is the risk of death of the insured. Life insurance is a very good purchase in order to protect a family, especially if you are the sole breadwinner. Additionally, life insurance can help pay for funeral costs and therefore ensure that your death will not be a financial burden for your family.

It is important to understand the process of life insurance in order to truly grasp its value. A life insurance transaction has three parties: the insured, the insurer, and the owner of the policy (the insured and owner of the policy are often the same person). One of the most important parties involved with life insurance is the beneficiary. The beneficiary receives the policy proceeds upon the death of the insured. Only the owner of the policy can change the beneficiary. If the beneficiary is an irrevocable beneficiary, then any changes in beneficiary must be agreed to by the irrevocable beneficiary.

In order to solidify a life insurance plan with an insurer, the insurer must evaluate the insured's lifestyle. The insurer evaluates the risk of insuring the customer. Some insurance companies will not grant insurance to people with serious health issues, or extreme lifestyles. Insurance companies charge differing amounts for life insurance based on the risk evaluation. Part of the risk evaluation is a health evaluation. There are for categories for people seeking life insurance: Preferred Best, Preferred, Standard, and Tobacco. Having no family history of illness or early cancer, and being extremely healthy and active can result in a Preferred Best rating. Depending on lifestyles, and family histories, a person is slowly moved down the ladder. It is easy to move down the categories but almost impossible to move up a category.

Life insurance is a legal contract that has terms and conditions. In the event of the suicide of the insured, most insurance companies will declare the policy null and void. Misrepresentation by the owner or insured on the life insurance application is also a plausible reason for the policy to be nullified. Insurance companies are entitled to know the circumstances of the insured's death and can decide whether or not the policy should be nullified if there is suspicion of suicide. A death certificate must be shown to the insurer to prove the death of the insured.

As with any insurance policy, life insurance takes a substantial amount of time to mature. Once matured, the "face value" of the policy is given. A policy matures upon the death of the insured, or when the insured reaches a certain age. Depending on the policy, the insured can make differing amounts of payments over time. As with all insurances, failed payments result in the termination of the insurance.

Life insurance is a very good thing to have because it protects your family's financial well-being. In the event that you were the sole worker, life insurance can pay your family your salary for many years (depending on the policy). Life insurance can also cover the costs of funerals and therefore your death won't be a burden on your family.

Peter Wise is interested in financial matters and writes for Life Insurance Lowdown (http://www.lifeinsurancelowdown.com).

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/hanover-insurance-group-inc-estimates/story.aspx%3Fguid%3D%257BA6AE36BA-D945-464F-91AC-D511AC7D21D6%257D%26dist%3Dhpprcid=1256108741ei=UtDwSPiUBoLg6AOD_I2-Bwusg=AFQjCNGgCyGxmeZ0XT_1laVxJM9MW3V0dwThe Hanover bInsurance/b Group, Inc. Estimates Impact from Third b.../b/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr18 hours ago/nobr/fontbrfont size=-1The Hanover bInsurance/b Group, Inc., based in Worcester, Mass., is the holding company for a group of insurers that includes The Hanover bInsurance/b Company, b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.forbes.com/feeds/ap/2008/10/10/ap5536271.htmlcid=1256108741ei=UtDwSPiUBoLg6AOD_I2-Bwusg=AFQjCNHUYzBsLqguC17fNOga_IH_-3zlFwAspen bInsurance/b hurricane losses reach $155M/a font size=-1 color=#6f6f6fnobrForbes/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://money.cnn.com/news/newsfeeds/articles/apwire/afcd1e4cd719c9b64056a2c7b523f75b.htmcid=1256108741ei=UtDwSPiUBoLg6AOD_I2-Bwusg=AFQjCNGBaSuzhptNwjYoNLY5fgPs5vIjQQAspen bInsurance/b 2008 hedge fund losses reach $47M/a font size=-1 color=#6f6f6fnobrCNNMoney.com/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.rttnews.com/Content/BreakingNews.aspx%3FNode%3DB1%26Id%3D737958%2520%26Category%3DBreaking%2520Newscid=1256108741ei=UtDwSPiUBoLg6AOD_I2-Bwusg=AFQjCNEAXN6YZZUvLUWqco5LvLGp1NP9ZQAspen says market turmoil impacted performance of holdings in b.../b/a font size=-1 color=#6f6f6fnobrRTT News/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.tradingmarkets.com/.site/news/Stock%2520News/1935952/cid=1256108741ei=UtDwSPiUBoLg6AOD_I2-Bwusg=AFQjCNFOBtNIpCz3TC7_xymUKv061evTugnobrTrading Markets (press release)/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.insurancejournal.com/news/international/2008/10/10/94517.htmcid=1256108741ei=UtDwSPiUBoLg6AOD_I2-Bwusg=AFQjCNHlIeGic48bEUIEKBJ5PcoZP9Y4OgnobrInsurance Journal/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256108741hl=ennobrall 27 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.efluxmedia.com/news_Health_Insurance_A_Major_Problem_in_the_US_26329.htmlcid=1255640047ei=UtDwSPiUBoLg6AOD_I2-Bwusg=AFQjCNGc6i-Ogq2wbSY3HI3Z9oP3h1THhAimg src=http://news.google.com/news?imgefp=dpkQvLqByygJimgurl=www.efluxmedia.com/content/news/news_26329.jpg width=80 height=60 alt= border=1brfont size=-2eFluxMedia/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.efluxmedia.com/news_Health_Insurance_A_Major_Problem_in_the_US_26329.htmlcid=1255640047ei=UtDwSPiUBoLg6AOD_I2-Bwusg=AFQjCNGc6i-Ogq2wbSY3HI3Z9oP3h1THhAHealth bInsurance/b – A Major Problem in the US/abrfont size=-1font color=#6f6f6feFluxMedianbsp;-/font nobr4 hours ago/nobr/fontbrfont size=-1The report was based on data from all states across gender, age and income gathered by the Small Area Health bInsurance/b Estimates (SAHIE), which is the only b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.emaxhealth.com/1/122/25318/health-insurance-rates-lowest-texas.htmlcid=1255640047ei=UtDwSPiUBoLg6AOD_I2-Bwusg=AFQjCNHLXxQnD8wu-BnlSbLn5FARXCEcDwHealth bInsurance/b Rates Lowest In Texas/a font size=-1 color=#6f6f6fnobreMaxHealth.com/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.chronline.com/story.php%3Fsubaction%3Dshowfull%26id%3D1223708251%26archive%3D%26start_from%3D%26ucat%3D1cid=1255640047ei=UtDwSPiUBoLg6AOD_I2-Bwusg=AFQjCNHfUpTrksq715sj4bfh9dobSBMIhQ14.8 Percent of Lewis County Without Health bInsurance/b/a font size=-1 color=#6f6f6fnobrCentralia Chronicle/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.wnct.com/nct/news/local/article/health_insurance_numbers_released_by_census_bureau/20855/cid=1255640047ei=UtDwSPiUBoLg6AOD_I2-Bwusg=AFQjCNEtTAqAQp2Hmt8Oco65v4PHwbZn4AHealth bInsurance/b numbers released by census bureau/a font size=-1 color=#6f6f6fnobrWNCT/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.hometownannapolis.com/cgi-bin/read/2008/10_10-18/GOVcid=1255640047ei=UtDwSPiUBoLg6AOD_I2-Bwusg=AFQjCNF3F-clwpMKqOP_lUNnMPS6OVsjJgnobrAnnapolis Capital/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.allheadlinenews.com/articles/7012608207cid=1255640047ei=UtDwSPiUBoLg6AOD_I2-Bwusg=AFQjCNHMGwHfdu4r_NsZhpGapFs9egC06AnobrAHN/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255640047hl=ennobrall 75 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bizjournals.com/jacksonville/stories/2008/10/06/daily48.htmlcid=1255986507ei=UtDwSPiUBoLg6AOD_I2-Bwusg=AFQjCNEXED5SuyqLjxqsQiNc_sgxQIqAhgFewer Florida workers have health binsurance/b/abrfont size=-1font color=#6f6f6fBizjournals.com,nbsp;NCnbsp;-/font nobr22 hours ago/nobr/fontbrfont size=-1The number of Floridians covered by health binsurance/b provided through their employer continues its slide. A new report by the Economic Policy Institute b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.myrtlebeachonline.com/news/local/story/625088.htmlcid=1255986507ei=UtDwSPiUBoLg6AOD_I2-Bwusg=AFQjCNF5pZ6SHLdcnVmcoQ3d_T9e6d8-HwEmployers continue to drop binsurance/b/a font size=-1 color=#6f6f6fnobrMyrtle Beach Sun News/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.citizen-times.com/apps/pbcs.dll/article%3FAID%3D2008810100324cid=1255986507ei=UtDwSPiUBoLg6AOD_I2-Bwusg=AFQjCNGR5OjCTNXZuroISRO9x_IEaTYK0gStudy: NC children are losing health binsurance/b/a font size=-1 color=#6f6f6fnobrAsheville Citizen-Times/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://blog.aflcio.org/2008/10/10/employer-provided-health-care-coverage-falls-for-seventh-yearcid=1255986507ei=UtDwSPiUBoLg6AOD_I2-Bwusg=AFQjCNGp1SAwI41CuCqXM3jCqvo5P6_YfwEmployer-Provided Health Care Coverage Falls for Seventh Year/a font size=-1 color=#6f6f6fnobrAFL-CIO/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.salem-news.com/articles/october092008/ocpp_report_10-9-08.phpcid=1255986507ei=UtDwSPiUBoLg6AOD_I2-Bwusg=AFQjCNEciMc13CbxvY6EwU1uNMw2xcnBRAnobrSalem-News.Com/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bizjournals.com/columbus/stories/2008/10/06/daily39.htmlcid=1255986507ei=UtDwSPiUBoLg6AOD_I2-Bwusg=AFQjCNFX2UlVkVqc0bo_hQmC63QmqTfFgQnobrBizjournals.com/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255986507hl=ennobrall 34 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.chron.com/disp/story.mpl/metropolitan/6052388.htmlcid=1256092765ei=UtDwSPiUBoLg6AOD_I2-Bwusg=AFQjCNH-SP_VVYuSXkddn0Y_cimOWH2FmgbInsurance/b floods state Senate race/abrfont size=-1font color=#6f6f6fHouston Chronicle,nbsp;United Statesnbsp;-/font nobr10 hours ago/nobr/fontbrfont size=-1By ALAN BERNSTEIN bInsurance/b for wind and flood damage has become a dominant topic in the race for the Houston-area state Senate seat in which Republican b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601103%26sid%3Dawop3m25mc2c%26refer%3Duscid=1256092765ei=UtDwSPiUBoLg6AOD_I2-Bwusg=AFQjCNGIytr5h08gVfv2F5geo1NEFVosFwUniversity of Texas Medical School Drowning in Costs After Ike/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256092765hl=ennobrall 4 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/pemco-insurance-seattle-seahawks-team/story.aspx%3Fguid%3D%257B5727BB66-25A5-43C6-A231-284BF565CDFF%257D%26dist%3Dhpprcid=1256220443ei=UtDwSPiUBoLg6AOD_I2-Bwusg=AFQjCNHwLNZljZYQWC0O7wc7io4id8FJfQPEMCO bInsurance/b and the Seattle Seahawks Team Up to Search for b.../b/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr19 hours ago/nobr/fontbrfont size=-1SEATTLE, Oct 10, 2008 /PRNewswire via COMTEX/ -- PEMCO bInsurance/b is calling all Seahawks fans to compete for the title of the ultimate quot;Supercharged b.../b/font/div/font/td/tr/table
insurance - Google News


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