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Despite this, a large number of people on this planet lead an uninsured life. To receive the death proceeds from the insurance company, the beneficiaries need to produce a death certificate of the insured person and proof of their own identity.
The insurance company may demand more documents to ascertain the identity of the beneficiary or the cause of death of the insured.
The other type of policy is bought from an investment perspective.
These can be called by different names like Universal, Permanent or Whole Life insurance.
However, if you go country-wise, the system would be simple to understand.
In Australia, premiums paid through superannuation fund are taxable.
In most cases, the dependents include the spouse, children, and parents.
In many other cases, premiums do not come under the ambit of taxation laws.
In the US and the UK, by and large, premiums paid for life insurance are not tax deductible.
The insurer may get the matter investigated if it finds any kind of discrepancy in the claim or the cause of death of the insured person.
The other side You may be surprised to know that there have been cases in the past when life insurance policies were misused.
Further, the insurance premiums vary from person to person depending on his or her age, smoking habits, medical history, driving record, job profile and other things.