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Life insurance is a financial protection of a persons estate and assets if there are to die.

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https://www.mymoneysage.in/blog/12-factors-that-determine-your-life-insurance-premium/

https://www.nerdwallet.com/blog/insurance/types-of-life-insurance/

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Term: Covers a period of time at a fixed rate
Whole: Lifetime coverage as long as you continue paying
Universal: Cash value insurance. Permanent coverage with an investment savings element
Variable: Cash value insurance with investments in sub accounts

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This is a person who you name in your life insurance to receive your death benefit. This includes managing certain assets; like cash, property, investments, or personal. They will receive payments by filing a claim, and choosing from several payment options.

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-Age
-Gender
-Medical history
-Lifestyle
-If you smoke or drink
-Profession