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Governments around the world encourage people to go for insurance. At the same time, it also provides peace of mind to the living person. Death is the only thing that is certain in this world. The insurance policy is a legal contract between the insurer and the insured. Many countries give incentives in different forms to encourage this practice. 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. In Australia, premiums paid through superannuation fund are taxable.
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These can be called by different names like Universal, Permanent or Whole Life insurance. The insurer has the right to deny selling a policy to an insurance seeker on various grounds. Insurance is a complicated matter and you should consult an expert to understand things from a legal point of view. In Australia, premiums paid through superannuation fund are taxable.