One of the simplest types of life assurance available - although not very popular these days.

The 'non profit' means just that - no profit to you following the investment by the company concerned of the premiums you pay to them each month, year after year - no bonuses, no lump sum, nothing.

But what you DO get, in return, is certainty - a guaranteed, fixed amount at the end of the term (or on your death), no matter what.

The company may, or may not, make a profit when they invest your premiums in the stock market. But that's no concern of yours.

They take the risk. You don't.