Life Insurance Blog

What is total and permanent disability insurance?

Stephen Handley, May 19th, 2010
Total and Permanent Disability insurance (or TPD) provides a lump sum payment if due to accident or sickness it is determined you will never work again. Why do you need TPD Insurance? Ask yourself the following question: What stops if I stop? If tomorrow your income was taken away forever, how would you cope? Unless you are independently wealthy and working purely for the enjoyment, the answer ...
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Do I need to get trauma cover insurance?

Stephen Handley, May 19th, 2010
Trauma cover insurance is insurance against an incurable condition being found.  In this even it pays a lump sum in cash.  The sorts of conditions that are covered are strokes, cancer, major head injuries and heart attacks.  It is also called critical illness insurance. (more…)...
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Who are the parties in life insurance?

Stephen Handley, May 11th, 2010
Life insurance is a particular type of financial instrument with different beneficiaries and parties to life insurance.  To be able to use life insurance effectively and well the different parties should be understood. The parties to a life insurance policy are the following parties, the insured, the beneficiary, the owner and the insurer. (more…)...
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Types of permanent life insurance

Stephen Handley, May 11th, 2010
Term life insurance is a form of life insurance that covers a person for a short period of time.  It is closest to classic insurance in that it takes premiums against a certain event and pays out if that event happens.  It is also time limited. (more…)...
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