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Types of insurance policies Though there are many types of life insurance policies available on the market, most of them can be broadly classified into two categories.One is for the sole purpose of protection so that the dependents of a person can be supported after the demise of the insured person.Such policies are known as term insurance policies.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.

Death is the only thing that is certain in this world.Since we live in a society, the first thought that comes to our mind is how to protect those who are dependent on us.However, if you go country-wise, the system would be simple to understand.In Australia, premiums paid through superannuation fund are taxable.The insurer may get the matter investigated if it finds any kind of discrepancy in the claim or the cause of death of the insured person.The other side You may be surprised to know that there have been cases in the past when life insurance policies were misused.