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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.

Since we live in a society, the first thought that comes to our mind is how to protect those who are dependent on us.

He or she knows that his family or dependents won’t have to bear any hardships even if he dies.

In most cases, the dependents include the spouse, children, and parents.

In simple words, the person who pays the premiums is the policy owner while the person who is covered by the policy is the insured person. Most of the life insurance policies do not cover deaths due to man-made events.

These include riots, commotion, suicide and many other similar things.

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