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Life Assurance Cover In USA. Page 2

Types of life assurance policies

When considering buying into a life policy you'll find three basic types of assurance policy available from assurance companies - term assurance, family income assurance and whole life assurance.

Term assurance - Term assurance is a straightforward life policy that pays out a tax-free lump sum upon your death. This is a basic life policy that runs to a specified term, often coinciding with the life of a mortgage.

Family income assurance - This life policy is a set term assurance policy that pays out to dependants should you die during the term of the assurance (

personal loans

) policy. Pay out is on a regular basis (like an income) until full term of the assurance is reached.

Whole life policy assurance - This is an open-ended assurance policy that pays out a (

life insurance

) lump sum upon your death, regardless of when you depart this life.