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LifeInsurance (or life guarantee, particularly inside the Commonwealth), is a deal between an insurance policy holder and an insurer or assurer, where the insurer guarantees to cover a specified beneficiary a sum of money (the power) in trade to get a quality, upon the death of an insured person (usually the policy-holder). With regards to the contract, fee can be also triggered by additional functions for example final illness or critical condition. Reasonably limited, as one lump sum or sometimes routinely is usually paid by the policy holder. Additional expenses (such as funeral charges) may also be contained in the benefits.