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Life Insurance is an insurance paid to designated beneficiaries when the insured person dies. If you survive to the end of the term, the policy is finished and contains no outstanding value or whatsoever. Life Assurance on the other hand is a cross between an investment and insurance which is why it is more costly. Life Assurance is great for people who want to use both method of life insurance and saving for retirement. In other words, it’s a guaranteed payout. Online life assurance quotes clearly indicate this component.