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Topic: Life assurance

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	Life Assurance
		Life assurance policies fall into two distinct categories, protection and investment, although the latter always contain some element of protection as well.
		The object of a life assurance policy is to pay out a given amount of capital or income called the sum assured in the event of the death of the policyholder(s) or life assured either within a specified term of years from the start of the policy or whenever death occurs.
		Policies may be written on the life of an individual or on the lives of husband and wife for example, in which case there may be an option to pay out on the first death or only after the second death.
	www.coombe.co.uk /protection/life_assur.htm (1380 words)

	Life assurance - Wikipedia, the free encyclopedia
		An endowment assurance is a combination of: (i) a term assurance, and (ii) a pure endowment assurance.
		That is, a sum assured is payable either on death during the term or on survival to the end of the term.
		A critical illness assurance is a contract to pay a benefit if and when the policyholder is diagnosed as suffering from a particular disease, where the disease is specifically listed in the wording of the policy.
	en.wikipedia.org /wiki/Life_assurance (1568 words)

	Life Assurance & Critical Illness Insurance Buyers' Guide - Money extra
		Life assurance and critical illness insurance policies are protection policies that allow you to plan for the future comfort of your families.
		This is easier to predict with life assurance and critical illness insurance than with other types of insurance, because mortality and illness tables can be used to predict the number of deaths and illnesses and, therefore, the number of likely claims.
		Life assurance is not the sole province of the income earners.
	www.moneyextra.com /guides/life-assurance-critical-012766.html (3546 words)

	Life Assurance and Life Insurance from britishassurance.com (Site not responding. Last check: 2007-11-02)
		Life assurance is sometimes incorrectly referred to as “life insurance” for the purposes of simplicity.
		Decreasing term Life Assurance or Life Insurance tends to cost around one third less than level term Life Assurance or Life Insurance on average and can therefore be attractive to those with repayment mortgages who are looking to cut costs, but anyone with an interest only mortgage will need level term life insurance.
		Life Assurance or Life Insurance policies will give you a cooling off period of at least 14 days in which you can receive a full refund of any initial premiums paid if you change your mind.
	www.britishassurance.com (1566 words)

	Life Assurance (Site not responding. Last check: 2007-11-02)
		This is a life assurance contract which does not pay a lump sum during the term, but, in the event of death, pays a regular sum after death.
		The return on this investment depends on the profits made by the life office and on its policy as to their distribution (whether on early encashment or in adverse market conditions or other circumstances) and cannot be guaranteed.
		The level of life cover chosen will be paid out on death of the life assured whenever it occurs, as long as the policy is in force at the time of death.
	www.zigma.co.uk /Lifeassurance.htm (1624 words)

	Life Insurance Online - Mortgage Life Assurance Guide
		Life Assurance Online is a site designed to help you obtain a cheap quote for Life Insurance, Critical Illness Insurance, Income Protection Insurance and other insurance products.
		Normally the type of life assurance required to cover this mortgage is decreasing term assurance rather than level term assurance or more commonly referred to as mortgage protection assurance.
		With this type of arrangement, level term assurance is used to ensure that the liability is covered in full throughout the period of the loan.
	www.lifeassuranceonline.co.uk /infocntr/mortgpr.htm (680 words)

	Life insurance - Wikipedia, the free encyclopedia
		Life insurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured's death.
		Life insurance companies in the United States support The Medical Information Bureau, which is a clearinghouse of medical information on all persons who have ever applied for life insurance.
		Permanent life insurance is life insurance that remains in force until the policy matures (pays out), unless the owner fails to pay the premium when due (the policy expires).
	en.wikipedia.org /wiki/Life_insurance (5162 words)

	Life assurance, Mortgage Protection, Term Assurance, Critical illness cover, Family Income Benefit (Site not responding. Last check: 2007-11-02)
		Mortgage Protection life assurance is designed to ensure that your capital repayment mortgage is paid off should you die or suffer from a critical illness.
		This is the most popular type of policy to provide life assurance cover over a fixed term.
		This permits you to change the policy to a whole of life or endowment (depending on the insurer and terms offered at the time of exercising the option) at any time within the policy term.
	www.ballabrokers.com /whatlife.htm (445 words)

	Life Insurance Quotes, Cheap Life Cover
		Life cover gives you ultimate peace of mind - making sure that in the event of terminal illness or death, a lump sum will be paid to your next of kin to cover all your financial responsibilities.
		Life Insurance pays a lump sum to you or your family if you die or fall terminally ill. You will pay fixed monthly premiums for the duration of the term you have chosen.
		Life Insurance provides liquidity to your estate so that when you die, your liquid assets will cover all the debts that you leave behind, plus all the expenses that arise because of your death (i.e.
	www.life-assurance-bureau.co.uk /life-insurance (1434 words)

	Life Assurance
		This is the most basic and cheapest type of life assurance that pays out a lump sum on death within a specified period.
		This is level term assurance that can be converted to another term assurance (if renewable), an endowment or whole life plan without further evidence of health.
		This is a special seven-year decreasing term assurance whereby the reductions in the sum assured are the same as the reducing inheritance tax liability from a potentially exempt transfer (PET).
	www.prosper-online.co.uk /ProtectionLifeAssurance.html (255 words)

	Life Assurance Life Insurance Term Assurance in Malta Middle Sea Valletta MSV Life
		Middle Sea Valletta Life Assurance protection and savings policies have a broad range of uses that can be tailored to suit your individual needs.
		Low cost life assurance policies issued for a fixed period of time to safeguard the family or company of the life assured from an early or untimely death.
		Life assurance which lasts for the whole of your life rather than for a pre-determined term.
	www.msvlife.com /life-assurance.asp (218 words)

	Life Assurance
		Life Assurance is a cheap way of assuring that a lump sum is payable on death.
		It can also provide an income in the event of the death of a parent, provide for the repayment of a mortgage, or provide cheap basic cover at outset which can be converted to other types of policy later without further medical evidence.
		Policies can be arranged for a few years or for life - and can be put in trust to reduce the impact of inheritance tax.
	www.warwickbutchart.co.uk /LifeAssurance.html (196 words)

	Life Assurance
		The life assurance companies based in the Isle of Man are leaders in the development and distribution of some of the most innovative life assurance products to be found.
		Typically offshore life assurance is used by expatriates who are working in countries other than their country of domicile and whose employment involves high income, contractual bonuses and low outgoings, but there is now growing interest from the UK and non-UK nationals.
		Under Isle of Man law offshore life assurance is not subject to income tax or capital gains tax.
	www.ey.com /GLOBAL/content.nsf/Isle_of_Man/Insurance_LifeAssurance (191 words)

	Home.co.uk: Life Assurance & Mortgage Protection (via CobWeb/3.1 planetlab2.isi.jhu.edu) (Site not responding. Last check: 2007-11-02)
		There are different types of Life Assurance and you may wish to discuss them with one of our advisers to help you decide which is most suitable for your needs.
		It is sometimes known as a decreasing term assurance policy and usually guarantees to pay off the outstanding Mortgage, assuming the mortgage interest rate payable does not exceed a certain rate.
		This is a Life assurance where the life cover is constant throughout the specified term.
	www.home.co.uk.cob-web.org:8888 /finance/life_assurance.htm (1398 words)

	Life Assurance
		Life assurance is a simple form of protection that provides a cash benefit to your estate if you die while the plan is in force.
		In addition to life cover, this provides a benefit payable on diagnosis of one of a number of serious illnesses.
		A reducing amount of cover usually means that the cost of this type of plan is lower than a fixed benefit and is often used in connection with a mortgage.
	www.assurenetuk.com /main/life.htm (246 words)

	HALLMARK ASSURANCE PLC - Life & Pension Products (Site not responding. Last check: 2007-11-02)
		The Group Life Assurance Policy is one of the commonest and popular insurance policies which cover the risk of death-in-service of staff of corporate entities.
		The Hallmark Group Life assurance cover is of different types to take care of different classes and types of organizations including business organizations, religious, social, cultural and socialized groups.
		The proceeds of the policy are used to purchase annuities for life or retirement annuities by the employees to take care of their life after retirement.
	www.hallmarkassuranceplc.com /life.html (432 words)

	Personal Finance - Life Assurance
		Life assurance investment products have received a big thumbs down from within the ranks of the people who devised the one-sided products.
		Many families continue to be left destitute at the death or disability of a life assurance policyholder simply because the policyholder failed to tell the truth about him- or herself to avoid paying higher premiums.
		The Life Offices' Association (LOA), which represents the major life assurance companies, has decided to amend its code of conduct to remove a guideline to life assurers that no more than 75 percent of pre-disability income should be paid to policyholders on disability.
	www.persfin.co.za /index.php?fSectionId=593 (1194 words)

	Life Assurance On Line for Your UK Life Policy
		Level Term is an assurance where the life cover is constant throughout the specified term.
		Convertible Term is an assurance policy that can be converted to an endowment or whole of life policy, normally without any medical evidence being required.
		It is a decreasing term assurance policy which usually just redeems the outstanding Mortgage, assuming the mortgage interest rate payable does not exceed a certain rate.There is never a surrender Value at any time.
	www.life-assurance-on-line.co.uk (478 words)

	Discover the Wisdom of Mankind on life assurance (Site not responding. Last check: 2007-11-02)
		Share your wisdom on life assurance by "blinking" bits you like OR "sharing" bits you know.
		As with all most insurance polices, life assurance is a contract between the insurer and the policy owner (policyholder) whereby a benefit is paid to the policy owner if an insured event occurs which is covered by the policy.
		The test of whether a policy is assurance or insurance is that with an assurance policy the insured event will definitely occur (at some point) whereas with an insurance policy their is a risk the insured event might occur.
	www.blinkbits.com /blinks/life_assurance (1690 words)

	:: Nedgroup Life Assurance ::
		The origins of Nedgroup Life Assurance date back to 1977 when the company's primary focus was that of home loan specific life cover.
		Nedgroup Life Assurance is focused on being recognised as a world class provider of debt protection and coupon assurance to the greater Nedbank Group.
		Nedgroup Life Assurance Company Limited is a joint venture between Old Mutual SA Limited and Nedbank Limited.
	www.boelife.co.za (231 words)

	Life Assurance, Compare Quotes and Cover of UK Life Assurance brokers (Site not responding. Last check: 2007-11-02)
		Life Assurance policies help ease the financial burden should the worst occur with either yourself or your partner.
		There are many different life assurance policy types with varying policy terms, conditions and pay outs.
		Endsleigh Financial Independent Tailoring will be able to help to guide you through the life assurance policy options available to you and can discuss at further length with you a suitable level of cover that would best suit your individual requirements.
	www.endsleigh.co.uk /web/policies/life/assurance.html (476 words)

	Life Assurance
		With life Assurance, YOU are the Premium Benefactor, benefitting long before you ever die.
		Your Life Assurance is yours alone and can never be transferred or refunded, no matter which state you live in.
		Life assurance can be the most important gift you give to yourself.
	www.junkbrosnews.com /2006/04/life.htm (434 words)

	UK Life Insurance: Mortgage Life Insurance, Cheap Life Insurance, Life Assurance Quotes
		When your UK Life Insurance application form is returned to us we will process this and keep you informed of it's progress.
		When your UK Life Insurance policy is issued, we check it for accuracy, before sending it on to you for safekeeping.
		We are happy to provide our life insurance quote service for British expats as well as UK residents except those living in the USA and potential war zones.
	www.lifeassuranceonline.co.uk (529 words)

	LifeAssuranceDirect
		We have 26 years experience in the life assurance protection industry.
		Life Assurance Direct Services are Authorised and Regulated by the Financial Services Authority.
		Life Assurance Direct Services is entered in the FSA register under reference 400866.
	www.lifeassurancedirect.com (151 words)

	Life Assurance at Anything Direct
		Anything-Direct life assurance is different because it offers a third option.
		Simple life cover, offered on an annually renewable basis and designed to provide the highest possible protection, at the lowest possible price, for your dependents.
		This is effective life assurance designed to protect the family (your dependents) in the event of your death.
	www.anything-direct.com /insurance/life_assurance.htm (398 words)

	Life Assurance UK, Cheap Life Assurance Quotes, Life Insurance Cover, Policy (via CobWeb/3.1 planetlab2.isi.jhu.edu) (Site not responding. Last check: 2007-11-02)
		As the years go by your life assurance policy increases in value as the bonuses build up – but it usually takes a number of years for any significant investment value to arise.
		Life Insurance is considerably cheaper than Life Assurance and, for the vast majority of people, Life Insurance is what they really want.
		Life insurance pays out a lump sum which is free from income tax and capital gains tax, if you were to die or become terminally ill whilst the policy is in force( and expected to die within 12 months).
	www.lives-assured.co.uk.cob-web.org:8888 (947 words)

	Insura Life - Life Assurance
		Searching for the best life insurance policy on the web can be a tiresome process, that's why we at Insura have created an online life insurance search facility.
		Simply enter your requirements into our system and we will pass your details over to one of our specialist advisors who will search through some of the biggest and most reputable life insurance companies in the market.
		Life insurance from Legal & General, Norwich Union, Scottish Widows, the list goes on.
	www.insura.co.uk /lifeassurance.asp (92 words)

	Life assurance uk
		Remember, life insurance companies all compete for different life insurance business so your unique factors could result in wildly varying premiums.
		The 1st Assurance UK website is an independent marketing website and not an insurer, broker or independent financial adviser.
		We do not recommend specific insurers, brokers or advisers.1st Assurance UK is not responsible or liable for any financial service product obtained through a third party.
	www.1st-assurance.co.uk /?espotting (374 words)

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