Life insurance, (or life assurance)

Life insurance guarantees payout in the event of death of the policy holder. Most life insurances are called "whole life" policies, meaning that you cannot get any of your money back before the policy runs out, (even if you stop paying).

Life insurance and saving, some insurance policies allow you to "surrender" your policy after a certain amount of time.
Unless the insurer was selling the policy as a investment it is usually not a good idea to takeout a policy with the intention of surrendering it at a latter stage.

How to choose a good policy
You need to know what you need the policy for, to allow your family to maintain a good standard of living. Or just to pay the immediate bills?
You also need to remember medical bills as well.
Who will be the beneficiary? Would you like more than one? Are they likely to quarrel over the amount?

What if I cannot pay some months?

Then you are not insured, and even if you started paying again you need to contact your insurer as they might refuse to pay out the policy on the ground that you missed some repayments.
If the repayments are too much then it is better to review your policy, insurance companies have been known to refuse payouts to policyholders that missed one or more payment many years ago.

How much money will I get when I surrender my policy?

A lot less than you invested! Life insurance should never be seen as an investment. If you wish to invest money as well as have a life insurance, your best move would be to put less toward your policies and a little toward some savings.Note that some policies are specially designed as an investment. You should look into those if you are fairly young and healthy. The problem with investment policies is that they are neither good as insurances nor are they good as investment.

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