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Life Reassurance

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Reinsurance is a method whereby the life insurer, the company that insures the life of the insured, transfers part of the risk to another company called the reinsurer, and life insurance company called the assigned company or the original company. Insurance is to reduce the risk of insurance facing the insurance company, the insurance risk facing the life insurance company is premature death Life insurance companies accept re-insurance from one another. However, there are specialized reinsurance companies that do not accept direct insurance, meaning that they do not deal directly with the insured Persons participating in the reinsurance market The reinsurance market consists of reinsurance buyers, intermediaries and reinsurance sellers, buyers such as direct insurers who deal with the insured and buy reinsurance, brokers such as insurance brokers, sellers such as reinsurers, and direct insurers as sellers also accept re-operations Insurance from each other The Insured is n...
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Credit insurance

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Credit is the system of selling goods or services without immediate payment of money, in the hope that the buyer will pay what is on the agreed dates, hence the risk facing the seller in each transaction or the process of payment, because when it is time to pay to pay The buyer may not be able or willing to pay what he has. This buyer may be insolvent, bankrupt or liquidated, so the subject of credit insurance is the risk of non-payment to the seller. Under the credit insurance, the insurance company Payment to the seller (to the creditor) if he fails to collect debts from buyers (debtors) Credit insurance is the insurance of creditors that protects them if they can not collect their debts. The term "life insurance" refers to insurance that pays the remaining balance of the loan to the creditor if certain events such as death or disability lender mortgage insurance LMI / Private Mortgage insurance PMI Is the insurance that protects the lender and not the borrower in c...
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Life insurance and basic guidance

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1. Economic justification for life insurance If a family member earns a periodic income that the family members depend on to support, educate, care for and satisfy their needs, his early death, leaving family members and unpaid debts, will expose them to a violent financial crisis and economic instability. Before his death, and when the family dies, the family is exposed to the following losses or crises: * Final expenses / last expenses, which are the obligations incurred by the family member at the end of his life, such as his pre-death hospital bills, funeral expenses, debts, credit card, taxes and attorneys' fees. The family is supposed to dispose of the last expenses immediately after death * The family's lack of periodic income from which she lived during the family life Therefore, the purpose of life insurance is to pay a lump sum in the case of the death of the family member to pay the last expenses, and the remainder of this total amount is deposi...
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