Admiral Life Insurance is provided by CIGNA Life Insurance Company of Europe S.A. - CIGNA new registered address - c/o Steptoe & Johnson UK LLP, 13th Floor, 5 Aldermanbury Square, London EC2V 7HR. Registered in Belgium with limited liability (Brussels trade register no. 0421 437 284). Avenue de Cortenburgh 52, 1000 Brussels, Belgium, authorised by National Bank of Belgium and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of our regulation by the Financial Conduct Authority and Prudential Regulation Authority are available on request.

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In this article we help you to identify the best life insurance policy for you, which type is best and how to accurately compare the cost.
While we advise you to read the whole article you can jump straight to the key sections by clicking on the hyperlinks below:

What is life insurance and how does it work?

What is life insurance?


Life insurance is a contract between an individual(s) and an insurance company where in the event of death a lump sum is usually paid to the insured deceased's estate. Usually, the life insurance contract runs for an agreed period of time, called 'the term'. The insurance company will charge a monthly premium for the specified level of life cover. How much the life insurance premium is will be determined by the insurance company underwriters based on a number of factors including your age and medical history. Quite simply the greater the chances of a premature death the higher your premium will be. A life policy that insures only a single person (often called a single life insurance policy) will stop once a claim is made or the term expires, whichever is earlier. Most life insurance policies only have a value in the event of a claim, they can not be cashed in, much like car insurance. It is possible to take a life insurance policy out on a joint life basis which means that the policy will insure the lives of more than one person. In this instance, the policy can be set up as 'joint life first death' or 'joint life second death' which determines at which point the policy pays out.

"Acuity" and its logo are registered trademarks of Acuity, A Mutual Insurance Company. All coverages are underwritten by Acuity, A Mutual Insurance Company with the exception of personal automobile coverage in the state of Texas, which is offered by Acuity TX MGA, Inc. and underwritten by Home State County Mutual Insurance Company. Home State County Mutual Insurance Company is not an affiliate of any Acuity company.

Information and coverage descriptions on this site are general in nature. Actual coverage depends on the policy. Nothing on this site alters the terms or conditions of any of our policies. Supplementary coverage options may be added to an insurance policy for an additional cost where applicable. See your agent for more information. Product and features are subject to underwriting criteria and may not be available in all states. Discounts may not apply to all coverages.

There can be no single answer to the question of what is the best Life Insurance as it will depend on individual circumstances and what you require the policy for, while different policy providers will target particular customer types and specialise in different areas.

The question you should be asking yourself is what types of life insurance are available and which best fits my needs.

As just one example of the complexity of the question, you’ll need to decide whether you’re looking for the best term insurance – which would cover you for the duration of the policy – or the best Whole of Life Insurance – which would be guaranteed to offer a payout whenever you died.

This statistic shows the brand value of players in the preliminary squad of the German national football team for the FIFA World Cup in 2018 in Russia. The preliminary squad was announced on May 29, 2018. In total 27 players were selected. Of these, Leroy Sané had the highest brand value at 90 million euros. 

                                      U.S. Supreme Court

         United States v. Insurance Companies, 89 U.S. 22 Wall. 99 99 (1874)

                                              United States v. Insurance Companies
                                                             89 U.S. (22 Wall.) 99
                                                                        Syllabus
 
1. Corporations created by the legislature of a rebel state while the state was in armed rebellion against the government of the United States have power since the suppression of the rebellion to sue in the federal courts if the acts of incorporation had no relation to anything else than the domestic concerns of the state and they were neither in their apparent purpose nor in their operation hostile to the Union or in conflict with the Constitution, but were mere ordinary legislation, such as might have been had there been no war or no attempted secession, and such as is of yearly occurrence in all the states.
2. Such corporations may in proper cases sue under the Captured and Abandoned Property Act.
The Home Insurance Company and the Southern Insurance and Trust Company, both being corporations created by the Legislature of Georgia in 1861 and 1863, while the state was in armed rebellion against the government of the United States, brought suit in the court below against the United States under the Captured and Abandoned Property Act (an act which, by its terms, gives a right to sue only to persons who have borne true faith and allegiance to the government and have never voluntarily aided, abetted, or given encouragement to rebellion) to recover the proceeds of the sale of cotton captured at Savannah, in 1864, and now in the Treasury of the United States. The United States pleaded the general issue and statute of limitations, but no other plea.