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Life Insurance: What You Need to Know Life insurance, also known as life assurance, is a signed contract between an insurer and the policy owner. In a life insurance policy, the insurer agrees to cover the expenses or pay a sum of money in several events happening to an individual such as death, terminal illness of critical illness. On the policy owner’s part, he or she agrees to pay a specified amount in lump sums or at regular intervals. This is also referred to as the policy premium. There a Visit site »| Tweet |