The basic difference between the coverage of death in life insurance and personal accident insurance is the first guarantee compensation for natural or accidental death, while this coverage on personal accident insurance, as the name says, will be paid only in the event of death by accident people covered. Just have a less extensive coverage, personal accident insurance it usually has lower cost than life.
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In addition, the amount paid by the personal accident insurance, typically, does not distinguish between young and old, while calculating the price of life insurance varies according to the age of the insured. Both, however, have an advantage in common.
The compensation received by family and/or beneficiaries is not in inventory and does not respond for any debts left by the insured. The value of restitution (capital insured) is paid directly to beneficiaries, completely tax-free.
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There are many different kinds of life insurance. Term Life, Whole Life, and Universal Life are just three of the most basic kinds.
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What is the difference between personal accident insurance and life insurance
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