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Think all insurance policies are the same? Think again. The services offered by different companies vary greatly, as Richard Dredge discovers.

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There are around 500,000 listed buildings in the UK of which approximately 90% are allocated the Grade II listing by English Heritage. The Grade II listing is normally allocated because the building is in some way of architectural or cultural interest. Sometimes the whole building is listed but often in it is just a particular feature or even an outbuilding such as a barn.

As the owner of a listed building you will be expected to re-instate the property to its pre damage condition following a full or partial loss,

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This is a template designed by free Life insurance policies are legal contracts and the terms of the contract describe the limitations of the insured events. Unique exclusions are often written into the contract to limit the liability of the insurer; for example claims relating to suicide, fraud, war, riot and civil commotion. Whether or not you are eligible for term life insurance or whole life insurance will depend on factors such as your health and type of preachment. If you do qualify, the amount of your premiums-those is payments for the policy- are based on factors such as your age, gender, health and occupation.

Life insurance may be divided into two easy as pie classes - temporary and permanent or following subclasses - term, huge, true to form life, variable, variable universal and endowment life insurance.
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