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Posted by / 27-Jul-2017 02:35

For example, if you buy a policy for yourself, you are both the owner and the insured.

However, if you buy a policy for your spouse, you are the policy owner while your spouse is the insured person.

Despite this, a large number of people on this planet lead an uninsured life. To receive the death proceeds from the insurance company, the beneficiaries need to produce a death certificate of the insured person and proof of their own identity.

The insurance company may demand more documents to ascertain the identity of the beneficiary or the cause of death of the insured.

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

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

In many other cases, premiums do not come under the ambit of taxation laws.

Universal / Permanent / Whole Life insurance These types of insurance policies are mostly bought by those who see insurance as a means of investment.

There is an accumulation of money in these types of policies and there is a minimum sum assured to the beneficiary at the maturity of the policy. Prima facie, they are doing a good work by insuring people against any untoward incident.

This way, they help the dependents live a normal life despite the demise of the concerning person.

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.

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The objective of this limitation is to prevent misuse of the policy and give insurance cover only to the deserving parties.