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Additional Details
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A... |
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and i have never bought insurance before so i don't get all the terms.... |
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... |
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| Since the insurance company are so restricted is it possible for me or anyone older then dirt-take out term life insurance???,thinks for any answer!!... |
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brithvi | Please explain about life insurance? |
If I got life inurance for 20 years after 25 years If I won't die what would happend? If I will die within the period can my children get money? |
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welcome news
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You buy cover at a fixed premium (based on age/ sex/ smoker status) for a fixed period. If you die in that period the sum insured is paid to your estate (it can be arranged to go into trust). If you do not die then the policy is exhausted and no benefit is paid.
This is the simplest and cheapest form of life insurance called 'term insurance'. YOu can have increasing term insurance, decreasing term insurance, mortgage term insurance.
You can have whole of life insurance - you pay for your whole life and the sum insured is paid to your estate - often this is used in conjunction with - premiums ceasing at 65 or 60 - since your earning power decreases when you retire. |
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Al
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If your policy has a term of 20 years, it expires then, with no benefit payable to you. If you die after the policy has expired, you don't get anything either.
If you die within the term of the policy, the claim would be paid to whoever is entitled to it -
If it's a joint life policy, the money would go to the other person on the policy.
If it's a single life policy (just you on it), it would be paid out according to your will. If you don't have a will, it goes to your next of kin. |
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Eric J
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You need to provide more info. Is your policy a term (what is the length of term) or is it permanent (whole life, universal life, variable life etc.)? What type of policy you have determines everything. |
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joseph b
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well its a bit of a gamble really and you would be better throwing your money to the wind or give it to someone who needs ,not to some b anker who wants your dough so use your brain not your braces
and after 25 years nothing much will have happened unless some idiot starts a war
and when you die within the period you wont need the £sd |
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FluffyPinkThing
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Your life insurance is normally paid for as long as you live, not 20 years (or is it an endownment?) An endownment will mature and you will get some money. If it in normal life insurance and you don't die - you will not get any money. If you do, your next of kin will claim.
Do you expect to get money from your house insurance if you don't get burgled? |
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ccosj
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yes but after that no longer you live less chance of renewing it |
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