Dutch to English Bus/Financial Insurance

My context (as the regular readers among you will know by now) is a text detailing various mortgage types, including those linked to a life insurance policy.

See http://www.homefinance.nl/levensverzekering/informatie/gemen... for example:
"Een gemengde verzekering is een combinatie van de kapitaalverzekering bij leven en de tijdelijke kapitaalverzekering bij overlijden."

"Life insurance which also includes term life coverage"?

I feel this is a tricky one because I'm not entirely clear on what the default situation is when you take out life insurance in the English-speaking world.

This page by HRMC http://www.hmrc.gov.uk/manuals/ihtmanual/ihtm20000.htm makes the following distinctions:
- term life insurance = payable on death
- pure endowment = payable on a certain date, unless the insured person dies before that date
- endowment = payout on date X or before than if the insured person dies before date X

However, it also seems that in an English-speaking context, endowment policies by default include an investment component (cf. http://www.royallondon.com/financialguidance/guides/investme... which in NL is not the case (that would be the beleggingshypotheek scenario).

Any insurance specialists out there who are able to help with this one/confirm or contradict my suspicions and misgivings? Thank you so much!