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These can be called by different names like Universal, Permanent or Whole Life insurance.At the same time, there is a bit of commerce involved in this.The insurance companies insure a person in exchange for regular premiums.However, a person may make anybody the beneficiary of the policy.The insurance policy is a legal contract between the insurer and the insured.There is an accumulation of money in these types of policies and there is a minimum sum assured to the beneficiary at the maturity of the policy. Prima facie, they are doing a good work by insuring people against any untoward incident. |
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