A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured's death. Typically, life insurance is chosen based on the needs and goals of the owner and can be term or permanent.
Critical Illness Insurance
Critical illness insurance provides additional coverage for medical emergencies like heart attack, stroke, or cancer. Because these emergencies or illnesses often incur greater than average medical costs, these policies pay out cash to help cover those overruns where traditional health insurance may fall short.
Individual Health and Dental
Individual health and dental insurance are policies purchased by an individual for themselves and their family based upon personal needs and budget -- just like car insurance. ... In fact, due to changes with health reform, more people than ever before are enrolling in individual health insurance policies
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