. LIFE AND PERSONAL accident Insurance   We have all heard the sayings - 'save for a rainy day' and 'who knows what tomorrow will bring'… Life Insurance Plans cover you when you're not too sure what life might bring, but you want to be prepared for it anyway. Your concern about the future, Family protection, your child future education, Mortgaged assets and your personal investments can be protected through your own Life Policy, also your Personal Accident Policy and/or Critical Illness Policy. Life Insurance Policy: Your options of coverage will be defined out of your purpose of getting covered and it is worth mentioning what are the main Terms used in your policy. Term Life Insurance: Life Insurance under which the benefits is payable only if the insured is not surviving the policy period (It could be renewable policy). Mortgage redemption policy: A form of decreasing term insurance which covers the life of a person who tales out a mortgage so that if death occurs during the term of insurance, the policy proceeds will approximate the remaining amount of the mortgage loan. Variable life insurance policy (investment): A form of whole life insurance under which the face amount and the cash value of the policy vary according to the investment performance of a separate account fund. Personal Accident Insurance Policy: This policy can be provided on separate coverage or as a rider on your life policy and it covers the following: 1- Accidental Death. (AD): Death Due to Accident . 2- Permanent Partial Disability due to sickness and/or accident (PPD): Covering Loss of sight, Dismemberment or Disability caused by accidental and/or sickness as per to a continental Schedule showing the nature of disability and the Benefits as proportion of the principle Sum 3- Permanent Total Disability due to sickness and/or Accident (PTD): Covering loss of sight, Dismemberment or disability by accidental and/or sickness OWN OCCUPATION. 100% of Principal sum. 4- Temporary Total Disability due to accident (TTD): The Insurance Company will pay weekly indemnity at the rate of 100% of declared weekly salary provided that the total of the period for witch weekly indemnities may be paid shall not exceed 52 weeks in respect of any one accident calculated from the next day of accident there of and further provided that; disability (…) days or less duration shall not be inemnifiable 5- Optional Accident Medical Expenses Benefit Definitions: Face Amount: The amount stated in the policy as payable at the death of the insured or at maturity of the policy contract. The amount is generally shown on the first (face) page of a policy.