Outside the united states,the term life assurance is used to describe a contract where the event being insured against is certain to happen at some future time(e.g.,a contract that will pay 100000 dollars on the policyholder's death).Life insurance is used to descibe a contract where the event being insured may never happen(for example,a contract that provides a pay off in the event of accidental death of the policyholder )In the united states,all types of life policies are referred to as life insurance.《Risk management and financial institutions》
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