簡易保険.com

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生命保険見直し・生命保険会社 - ネット生保、生命保険の会社、生命保険の見直し
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Understanding Life Insurance

Our ordinary lives are easily disturbed by unforseen events like accidents, fires, financial turmoil, and sometimes, death. It is during these times of great need that a life insurance plan can provide monetary comfort in the face of uncertainty for both you and the family.

This site is intended to be a general guide to life insurance to help you understand what types of policies are available in the UK and in what circumstances they are commonly used.

It covers life insurance used for protection purposes, some of the more common additional features available on most plans, the benefits of setting up a policy in Trust and general taxation issues. A section is also provided for a glossary of terms to help you understand some of the jargon.

Beyond death

Most people equate life insurance with benefits received when a family member dies of natural causes or by accident. In fact, there is more to life insurance that death benefits. The keyword here is 'protection', policies can cover almost everything from your home to your business. These are the more common types of life insurance covered by this site:

> Family Protection
   Life insurance plans are commonly used to provide financial protection for a surviving partner in the event of a premature death or accident.

> Business Protection
   Life insurance policies can provide valuable protection for a business and a benefit for employees.

> Estate Protection
   A Life Insurance policy can be used to provide funds to meet a potential inheritance tax liability. This arrangement thereby allows more family assets to be passed on to your heirs rather than the Inland Revenue.

> Mortgage Protection
   Life insurance is commonly used to protect the outstanding loan on a mortgage. The type of plan used will depend on the type of mortgage you have.