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Posted by / 09-Nov-2019 18:08

Death is the only thing that is certain in this world.Since we live in a society, the first thought that comes to our mind is how to protect those who are dependent on us.The insurer may get the matter investigated if it finds any kind of discrepancy in the claim or the cause of death of the insured person.The other side You may be surprised to know that there have been cases in the past when life insurance policies were misused.Further, the insurance premiums vary from person to person depending on his or her age, smoking habits, medical history, driving record, job profile and other things.Taxation Taxation in the context of insurance is a complicated matter especially when you think of it from a global perspective.However, if you go country-wise, the system would be simple to understand.In Australia, premiums paid through superannuation fund are taxable.

These can be called by different names like Universal, Permanent or Whole Life insurance.

However, having a life insurance policy does not mean that you will get life cover for all kinds of deaths.

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.

However, if you buy a policy for your spouse, you are the policy owner while your spouse is the insured person.

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