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Life insurance is a contract between an insurance company and an individual, in which the insurer promises to pay the beneficiary an agreed amount of money in the event that the insured dies. It is also possible to pay for unexpected events such as critical illness or terminal illness. Life insurance is often used to pay those who are dependents of the insured person. There are a variety of insurance that are available that include whole life endowment, whole life universal, variable, and limited liability.