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Life Insurance

What is Life Insurance
Life insurance is a contract between an insured and an insurer where the insurer promises to pay a designated beneficiary a sum of the "benefits upon the death of the insured person. The policy holder typically pays a premium, either regularly or as a lump sum.
Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; common examples are claims relating to suicide, fraud, war, riot and civil commotion.

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