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I like challenges and I like setting goals only to surpass them.Death is the only thing that is certain in this world.The insurance policy is a legal contract between the insurer and the insured.However, having a life insurance policy does not mean that you will get life cover for all kinds of deaths.These can be called by different names like Universal, Permanent or Whole Life insurance.Term Insurance Term insurance is a kind of temporary insurance that would provide a death benefit for a certain period of time. Term insurance is not as costly as permanent insurance.Policy owner and the insured person Do keep in mind that the insured and the policy owner can be the same person or two different persons depending on the situation.For example, if you buy a policy for yourself, you are both the owner and the insured.

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