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Term Insurance Term insurance is a kind of temporary insurance that would provide a death benefit for a certain period of time. Term insurance is not as costly as permanent insurance.
Universal / Permanent / Whole Life insurance These types of insurance policies are mostly bought by those who see insurance as a means of investment.
This way, they help the dependents live a normal life despite the demise of the concerning person.One is for the sole purpose of protection so that the dependents of a person can be supported after the demise of the insured person.Such policies are known as term insurance policies.However, if you go country-wise, the system would be simple to understand.In Australia, premiums paid through superannuation fund are taxable.