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      Bear markets do cause insurers to shift away from easy soup recipes investments and to toughen up their underwriting standards. Should the legal system fail, so would the currency that depends on it. Credit money is any claim against a physical or legal person that can be used for the purchase of goods and services[2]. This is principally due to many companies offering both types of policy, and rather than refer to themselves using both insurance and assurance titles, they instead use just one. Types of life insurance Life insurance may be divided into two basic classes – temporary and permanent or following subclasses - term, universal, whole life, variable, variable universal and endowment life insurance. Temporary (Term) Term life insurance (term assurance in British English) provides for life insurance coverage for a specified term of years for a specified premium