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For example, if you buy a policy for yourself, you are both the owner and the insured.

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Term Insurance Term insurance is a kind of temporary insurance that would provide a death benefit for a certain period of time. Term insurance is not as costly as permanent insurance.

Universal / Permanent / Whole Life insurance These types of insurance policies are mostly bought by those who see insurance as a means of investment.

Death is the only thing that is certain in this world.

Since we live in a society, the first thought that comes to our mind is how to protect those who are dependent on us.

The other type of policy is bought from an investment perspective.

These can be called by different names like Universal, Permanent or Whole Life insurance.

Inventions to come out of Scotland include the television, telephone, finger printing, the rules of golf, tyres and tarmac.

Webcam of perhaps Scotland's most famous, and certainly most photographed castle. The castle was featured in the movie Highlander in 1984 along with another famous Scot.

Both cities feature high on the webcams aswell as one focused on Loch Ness, just in case Nessy puts in an appearance.

Scotland is well known for its Scotch whisky, St Andrews Golf Course and its tartan kilts.

One is for the sole purpose of protection so that the dependents of a person can be supported after the demise of the insured person.

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