Life insurance does not have an 'investment value' while Life Assurance is strictly for investment purposes only in most instances. Most life insurance policies provide a measure of 'security and hope to policyholders for the length of the term. However, the policy must be active when the policyholder dies; Otherwise, there is no available coverage.

If the policyholder has an active policy and finds that he is sick, expected to live in a short time, the policyholder will have the coverage he needs. On the other hand, if the policyholder meets life coverage and extends to the following year, the policy is often outdated. Thus, life insurance coverage plans can be operated when policyholders have 'claims'.

As you can see life insurance, policy does not have anything to offer in the line with investment, thus if you are searching to invest in policies then you will need to consider the life assurance plans. Life assurance is an investment value package, and the policy unites guaranteed insurance" and 'none guaranteed investment.

If the policyholder takes out an assurance policy of 50,000 then the policy's value is equal to the 'guaranteed sum' of the 'policy.' Of course, this will include the length of the term the policy is active. The investment will also be factored on the "Insurance Company's Investment Performance."


For the most part, life insurance companies that offer assurance plans will 'payout' the guaranteed sum on the policy, or the value of the annual investment bonuses if any were incorporated during the term of the agreement. As you can see, the investment is the initial cost of the assurance policy, but if you purchase bonuses throughout the term of the policy, you will have invested in equity so to speak.