Investing for Beginners , investing

A life insurance is a service provided by insurance companies trying to bring more financial stability in to the lives of people. 

Looking from investment point life insurance is two products combined in one:

• An investment fund units. The most of the life insurance payments goes to some fund or several funds usually managed by the investment management team of insurance group.
• An insurance policy, which guarantees a payout in case of injure or other health/life threatening events.

The main advantage of life insurance is very well adaption to people needs. People do not need to worry much about investment and retirement by themselves and they can be sure that if something wrong would happen, the family will be secure financially.

The main disadvantage that is not clear what is the real price of services because everything is mixed up in one pool.