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      assurance 6 Types of life insurance 6.1 Temporary (Term) 6.2 Permanent 6.2.1 Whole life coverage 6.2.2 Universal life coverage 6.2.3 Limited-pay 6.2.4 Endowments 6.3 Accidental death 7 Related life insurance products 7.1 Senior and preneed products 8 Investment policies 8.1 With-profits policies 8.2 Insurance/Investment Bonds 8.3 Pensions 9 Annuities 10 Tax and life insurance 10.1 Taxation of life insurance in Can i take tramadol with Actoplus MET be taken on the same day the United States 10.2 Taxation of life assurance in Can i take tramadol with Actoplus MET be taken on the same day the United Kingdom 10.2.1 Pension Term Assurance 11 History 11.1 Market trends 12 Criticism 13 See also 14 References 15 External links Parties to contract There is a difference between the insured and the policy owner (policy holder), although the owner and the insured are often the same person. Added to the other common assumption of insatiability, this implies human beings can never remain happy. The information used to evaluate the risk of an applicant for insurance will depend on the type of coverage involved