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A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured's death. In general, insurance works by spreading the cost of unexpected risks among a large number of people in the same region who share similar risks. ULIP - Fortune Gain. Retirement is when you stop living to work and start working towards your happy living." Financial barriers may occur wh...

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