If you do not know well what they are and how they work, see this article on life insurance, where you will learn when to buy a life insurance policy and seek the lowest prices of life insurance.

For types of life insurance policies, there are two basic types:

• Life insurance
• Permanent life insurance

Here are the descriptions for each of the policies.

Permanent life insurance

The permanent life insurance are products that combine investment funds in the package of coverages.

In these cases, is to buy a policy that pays a fixed amount in case of death and some of its benefits go to the investments made by companies to raise this capital.

You can often borrow money from the investment fund created, without paying taxes, so it may be interesting in some specific cases.

The returns of investment funds are not guaranteed, so you can lose money with these applications, since products are subject to capital markets (such as investment in shares).

Term life insurance with

These types of life insurance are not part of investment, so will buy the coverage of life that lasts for a certain period, during which it will pay a monthly fee.

These contracts are made annually, but is not required again proved their good health for subscription of life insurance.

As for young, term life insurance are quite cheap, but as you become older, the monthly benefits are becoming more expensive.

There are monthly bonuses for those who have long periods of subscription of life insurance temporary, in the order of tens of years.

You must know the rates of each type of life insurance and to analyze their particular situation, to decide which life insurance that best fits in your profile, you want to take the risk and its financial capacity. See how to buy life insurance.

Many people end up opting for accident insurance contract because, in most cases, it is a cheaper option than the life insurance. This is a mistake! 

The choice of insurance can not be based on cost, but you run the risk that a particular need for effective coverage. Exactly why it is said that insurance contract help in planning your financial. 

Cheaper and more limited coverage 
The coverage of basic accident insurance provides compensation in case of disability or death caused by accident, and this is defined as an involuntary occurrence, external and sudden. So if you want, you need to hire an additional coverage for medical expenses, temporary disability, and funeral aid. 

In simple terms, we can say that the biggest difference between the two is that the insurance does not provide coverage for accidents in cases of death by natural death. In practice, this means that life insurance provides a broader coverage than the insurance, personal accident, but that just reflects the cost, which tends to be greater than the insurance accidents. 

With or without dependents? 
Therefore, carefully evaluate your current situation: How old are you? What kind of life you lead? What is your family situation, you have dependents? 

If you are young, single, not that anyone is financially dependent on you and belongs to a family whose financial situation is calm, the accident insurance is the most attractive option. After all, your greatest risk is suffering an accident and can not work more.Well, if will die will not leave anyone helpless. 

Moreover, if, while young, you have dependents (spouse, children or parents), the life insurance is most appropriate as it ensures a wider coverage. In line therefore with its reality: as the financial risk of disability or death is greater in this case. After all, if this happens, other people will be abandoned, then why is important to calculate the kind of calm coverage required. 

In general, for young people, the cost of the two products is about equal. Among young people as the risk of death is low, the largest component relates to the accident, hence the similarity between the costs of two products. 

In doubt: assess which greater financial risk 
Where you are unsure about which insurance choose, remember: the insurance contract, whatever it is, its purpose is to protect the financial risk that a possible event can cause. In practice this means that if the financial risk you will die by natural causes is small, coverage is only guaranteed by life insurance, plus the penalty may assert a contract of accident insurance, and vice versa.

A life insurance calculator is a tool to determine the cost of insurance you need for you and your family. Many life insurance calculators can be found free online. Stay tuned, because every time that their income is altered (eg a child), everything must be recalculated.

You must fill some important numbers on the calculator in life insurance, and costs of day-to-day, funeral expenses, expenses of administação of goods, taxes, mortgages and other payments of loans, costs of studies and other costs.After that, fill the income of the spouse, the income with the income tax and other rents. Last but not least, you must meet the years of income tax, the spouse's age and whether there are any life insurance.

The life insurance calculator will guide you in finding the exact amount of life insurance you need. The more accurate the numbers of your financial life, you better results. Some life insurance calculators can operate with adjustments previously made as adjustments for inflation. Since their costs may change during the period of your insurance, life insurance calculator will give you only an estimated value.

We can say that the life insurance calculator is an important tool to find out how much life insurance you need. Unfortunately, you never know when you can move this to another.

Related Links

Interesting resources

Insurance Industry 
About Asegurador in Spain for business and industry. 
http://www.segurosindustriales.es 

Dir Brazil 
The most interesting websites in English. 
http://www.dirbrasil.com.br 

Scholarships Brazil 
Everything on the Brazilian market. 
http://www.bolsaseinvestimentos.com.br 

Renewables 
Virtual exhibition of water and renewable energy. 
http://www.feiradaagua.com 

Insurance Brokers 
Directory of free ads services. 
http://www.pedindoarrego.com.br 

Industrial Directory 
Resources industriaes in Brazil and Portugal. 
http://www.diretorioindustrial.com.br 

Trade in Brazil 
All shops in Brazil. 
http://www.comerciosdobrasil.com.br