A portion of every insurance premium is set aside for investment. The accumulated funds form a reserve that allows the insurer to pay the full benefit in the event of the client's death.
If you are an adult and buy an insurance policy, you can stipulate that if death occurs as a result of an accident, the heirs will receive a larger amount. However, you will have to make higher contributions to your insurance account. For example, the amount of premiums is one when you buy an insurance policy for 250 thousand dollars, but it will be correspondingly higher if your insurance policy is 500 thousand dollars. The insurance policy may stipulate that in the event of death, not due to illness or age but as a result of an accident, the payout to the heirs is doubled. If you are relatively young and quite healthy, then premature death can occur most likely as a result of an accident and not an illness.
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