életbiztosítást

Életbiztosítás, or life insurance, is a contract between an insurer and a policyholder. The insurer agrees to pay a designated beneficiary a sum of money upon the occurrence of the insured's death, or upon the occurrence of a terminal illness, or in exchange for premiums paid during the insured's lifetime. This financial protection is designed to provide economic security for dependents or loved ones after the policyholder's death.

There are two main types of life insurance: term life insurance and permanent life insurance. Term life insurance provides coverage for a specified period, such as 10, 20, or 30 years. If the insured dies within the term, the death benefit is paid. If the insured survives the term, the coverage ends, and no benefit is paid unless the policy is renewed or converted. Permanent life insurance, on the other hand, provides coverage for the insured's entire life, as long as premiums are paid. It also typically includes a cash value component that grows over time on a tax-deferred basis.

Life insurance serves various purposes, including replacing lost income, covering funeral expenses, paying off debts such as mortgages, funding children's education, or leaving an inheritance. The cost of life insurance premiums depends on several factors, including the insured's age, health, lifestyle, the type of policy, and the amount of coverage. Policyholders can choose beneficiaries who will receive the death benefit. It is an important financial planning tool for individuals and families to ensure financial stability in unforeseen circumstances.