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At the same time, there is a bit of commerce involved in this.

The insurance companies insure a person in exchange for regular premiums.


The other type of policy is bought from an investment perspective.

These can be called by different names like Universal, Permanent or Whole Life insurance.

Further, the insurance premiums vary from person to person depending on his or her age, smoking habits, medical history, driving record, job profile and other things.

Taxation Taxation in the context of insurance is a complicated matter especially when you think of it from a global perspective.

However, having a life insurance policy does not mean that you will get life cover for all kinds of deaths.