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Erika Cao, "My Distinguished Pablet on Life Insurance"

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Erika Cao, "My Distinguished Pablet on Life Insurance"

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Life insurance is simply an agreement between an insured and insurer, and its policy states that an insurer is to pay a certain amount of money to the appropriate beneficiaries at the time of an insured's death. This is in exchange for any premiums that were paid during the insured's lifetime.

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Types of life insurance and what they are.

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Types of life insurance and what they are.

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Term: Term life insurance stays around for a particular number of years and is said to be the most easiest and affordable life insurance policy, as it's premiums are quite low. Some examples would be about 10 to 30 years. If one dies before the end of the term, the death benefits are given to their rightful beneficiary.

Whole: Whole life insurance does not expire and acquires a cash value and holds a death benefit. Although it is much more expensive and complex compared to term life insurance, the plus side of this is that one can have coverage for their whole lifetime, as long as they make their premium payments on time.

Universal: Universal life insurance is a permanent insurance where minimum premiums go to cash value and death benefits. One could use their money in cash value (if they have a good amount) to skip premium payments, allowing the interest do its things, while the cash value decreases.

Variable: Variable life insurance regards policyholders being given the opportunity to invest the policy’s cash value. It is an investing option, which is much better compared to whole life insurance, but it does causes one to incur risks.

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What are beneficiaries and how do they receive payment?

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What are beneficiaries and how do they receive payment?

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Beneficiaries are simply individuals or organizations who were chosen by policyholders on who should take the death benefits. Beneficiaries obtain payment via an insured person's death,

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Premiums and factors that determine them.

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Premiums and factors that determine them.

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Premiums are simply payments that are usually monthly and are made for the insurance policy. When a premium has been made, one pays for the death benefit that would enter their beneficiaries when they have died. Some factors that can determine premiums are one's age, gender, medical history (individual health and/or family health issues past), hobbies, occupation, and even the kind of policy one chose.

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https://www.investopedia.com/terms/l/lifeinsurance.asp#what-is-life-insurance

https://www.policygenius.com/life-insurance/types-of-life-insurance/

https://www.fbfs.com/learning-center/8-factors-that-can-affect-life-insurance-premiums