death risk insurance

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A death risk insurance is an insurance which an insured amount pays if the insured person comes die during the duration. It insured amount is in avance agreed, just like the maximum duration of the insurance. The premium depends on the age on the insured person, insured the amount and the duration of the insurance. A number of society uses a higher tariff for smokers. This insurance can be used for several aims. (whole or partial relay of a mortgage, a supplement on the surviving dependant's pension, risk protective covering for a loan, etc). To insure options are: premievrijstelling at incapacity for work of insured. If insured during the duration incapable of work becomes, the premium payment duty expires. These are taken over by the society.

death risk insurance is there in 3 forms
1.Gelijkblijvende insurance;
2.Lineair decreasing insurance;
3.Annuïtair decreasing insurance

Gelijkblijvende insurance during the whole duration remains the insured capital constant. At death insured the amount is paid..

Linearly decreasing insurance during the duration decreases it insured capital annually with an amount as such that the insured capital on the termination date is nil. At death during the duration the remaining amount is paid

Annuïtair decreasing insurance during the duration decrease it insured capital with a fixed percentage, as such the insured capital on the termination date nil is. At death during the duration the remaining amount is paid.
The difference, with linearly decreasing, is that at the beginning of the duration the benefit is higher than at linearly decreasing

Insurance on one or two lives
It is possible the above close insurance on 1 or 2 lives. At an insurance on 2 lives at death of one of the insured person, the insured amount it is paid and expires the insurance.