Advantages of the various insurance policy types

Although multitude types and names of insurance policy can disconcert, they summarize all to two principal forms of insurance life: permanent and temporary. In general, needs with long term should be covered by a permanent insurance, and them short-term needs by one temporary insurance. Often, better formula lies in one combination of the two types. What is a temporary need ? It can be a question, for example, of to refund a loan mortage holder, of to guarantee an income continuous as long as them children are young, or to cover commercial engagements. And permanent needs? It can be the sums necessary to pay the funerary expenses, to round the income of a survivor, to cover the tax to be paid on the profits in capital at the time of death (especially if family goods are transmitted to descendants), or still to provide for the needs of the children who, often because of a disability, remain with load all their life.

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