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The subject of life insurance is a complicated one at best, and with Inheritance Tax to consider it makes things even more confusing. But should the thought of IHT put you off taking out a life insurance policy? Essentially, a life insurance policy will pay out a pre-agreed sum on the event of the policy-holder's death. There are many different types of life assurance policies but the principal remains the same. The policy-holder pays a monthly premium which is decided based on the person's lifestyle and health at the time of the policy. Different insurance companies offer different rates so it's important to compare many different policies when planning your life insurance. Life insurance is a useful thing to have if you have dependents or your death would mean financial hardship for anyone. bad credit student loan consolidation cheap student loan rates advance cash idaho loan pinjaman loan peribadi mudah alternative bank key loan