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%3Ch1%3ELife%20Insurance%3C%2Fh1%3E%0D%0A%09%09%09%09%09%3Cp%3ELife%20insurance%20%28life%20assurance%20in%20British%20English%29%20is%20a%20contract%20between%20the%20policy%20owner%20and%20the%20insurer%2C%20where%20the%20insurer%20agrees%20to%20pay%20a%20sum%20of%20money%20upon%20the%20occurrence%20of%20the%20insured%27s%20death.%20In%20return%2C%20the%20policyowner%20%28or%20policy%20payor%29%20agrees%20to%20pay%20a%20stipulated%20amount%20called%20a%20premium%20at%20regular%20intervals.%3C%2Fp%3E%0D%0A%09%09%09%09%09%3Cp%3EAs%20with%20most%20insurance%20polices%2C%20life%20assurance%20is%20a%20contract%20between%20the%20insurer%20and%20the%20policy%20owner%20%28policyholder%29%20whereby%20a%20benefit%20is%20paid%20to%20the%20designated%20Beneficiary%20%28or%20Beneficiaries%29%20if%20an%20insured%20event%20occurs%20which%20is%20covered%20by%20the%20policy.%20To%20be%20a%20life%20policy%20the%20insured%20event%20must%20be%20based%20upon%20life%20%28or%20lives%29%20of%20the%20people%20name%20in%20the%20policy.%3C%2Fp%3E%0D%0A%09%09%09%09%09%3Cp%3EInsured%20events%20that%20may%20be%20covered%20include%3A%0D%0A%09%09%09%09%09%3Cul%3E%09%0D%0A%09%09%09%09%09%3Cli%3E%20%20%20%20death%2C%3C%2Fli%3E%0D%0A%09%09%09%09%09%3Cli%3E%20%20%20%20diagnosis%20of%20a%20terminal%20illness%2C%3C%2Fli%3E%0D%0A%09%09%09%09%09%3Cli%3E%20%20%20%20diagnosis%20of%20a%20critical%20illness%2C%3C%2Fli%3E%0D%0A%09%09%09%09%09%3Cli%3E%20%20%20%20disability%20due%20to%20ill%20health%2C%3C%2Fli%3E%0D%0A%09%09%09%09%09%3Cli%3E%20%20%20%20permanent%20disability%2C%3C%2Fli%3E%0D%0A%09%09%09%09%09%3Cli%3E%20%20%20%20accidental%20death%3C%2Fli%3E%0D%0A%09%09%09%09%09%3Cli%3E%20%20%20%20requirement%20for%20long%20term%20care.%20%28This%20list%20is%20not%20exhaustive%29.%3C%2Fli%3E%0D%0A%09%09%09%09%09%3C%2Ful%3E%3C%2Fp%3E%0D%0A%09%09%09%09%09%3Cp%3ELife%20policies%20are%20typically%20presented%20as%20types%20legal%20contracts%20and%20the%20terms%20of%20the%20contract%20describe%20the%20limitations%20of%20the%20insured%20events.%20Specific%20exclusions%20are%20often%20written%20into%20the%20contract%20to%20limit%20the%20liability%20of%20the%20insurer%3B%20for%20example%20claims%20relating%20to%20war%2C%20riot%20and%20civil%20commotion.%3C%2Fp%3E%0D%0A%09%09%09%09%09
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