One of the biggest benefits of having life insurance Wholesale Bill Laimbeer Jersey , besides the saved up sum of money, is the peace of mind which you have knowing that if anything should happen to you that you have a policy which will pay for expenses such as funeral or outstanding debt. Another reason is knowing that your loved ones will have enough money to take care of themselves in the unfortunate event of your passing. If you are the sole bread winner in the house, this may be one of your biggest concerns. In a strict sense, it is mostly this security which you pay for when you are buying life insurance.


Life insurance is not the most difficult concept to understand. Two parties are involved in every life insurance transaction. The two parties are the insured and the insurer. The insured agrees to pay a small amount of money which is called a premium for a certain number of years. After the specified period, the insured is awarded the sum of money. If the insured dies during the policy period then the insurer passes on the insured amount to the beneficiary designated by the insured. The amount of money to be paid by the insured called premiums is determined by a number of factors. These factors include the policy holders age Wholesale Grant Hill Jersey , gender, habits, state of health and family medical history. The premiums are based on these factors.


A life insurance medical test is conducted to assess the health of a person, and decide the premium. Because people can try and cheat on their insurance policy by pretending to be healthier than what they are when taking out the policy, a medical test is a way for insurance companies to be sure of the accurate state of health of the insurance policy holder. This is because healthier people pay less premiums than people with medical conditions. This test helps the insurance companies to minimize risks. The medical procedures that are carried out are: measurement of weight Wholesale Christian Laettner Jersey , measurement of height, checking blood pressure and pulse, blood tests , and urine analysis.


There are two main branches of insurance: Term life insurance and Whole life insurance. Term life insurance is the most common because it is more flexible in a sense. Term life insurance has a fixed end date, and therefore it is called a term. You can choose the term or period of time over which you choose to take out the policy. It can be anywhere between 1- 30 years. Although the contract can be renewed after the period has elapsed. Whole life insurance lasts for the duration of your life. This type of insurance sees greater return on your money. With whole life insurance you can cash in your policy any time you like Wholesale Joe Smith Jersey , and you can use that money for whatever reason you see like.


If the insured person dies, the company asks for a proof of death certificate to settle the claim. The payment may either be made in a single transaction or as recurring payments, as opted by the policy holder.


For more information about life insurance visit the website http:www.hollardlifeinsurance.co.za


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