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A premium is the amount you pay during a set amount of time that you give to the insurance company to cover your insurance.
Factors that determine your Premium...
- Age
- Gender
- Health history
- Smoking
- Family health history
- Hobbies
- Occupation
- The insurance company itself
Link: https://www.fbfs.com/learning-center/8-factors-that-can-affect-life-insurance-premiums

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Beneficiaries are people or an entity in which you name your life insurance policy to in order for them to receive the money after your death. To receive payment, beneficiaries have to fill out a claim for the money though some have other methods of payment.
Link: https://www.iii.org/article/what-beneficiary

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Variable life insurance is a permanent type of life insurance coverage with an investment aspect to it. The policy has a cash-value account, which is invested in a number of sub-accounts available in the policy. A sub-account is similar to a mutual fund.
Link: https://www.investopedia.com/ask/answers/08/variable-life-insurance.asp

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Universal life insurance is similar to Whole life insurance in which it provides financial protection for the insured's whole life. But with Universal life insurance your premium is flexible. So you can raise or lower it depending on your needs.
Link: https://www.fidelity.com/life-insurance/life-insurance-planning/what-is-life-insurance

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Whole life insurance is a permanent life insurance that provides financial protection for the insured's whole life. This type of insurance is usually more expensive and are typically fixed.
Link: https://www.fidelity.com/life-insurance/life-insurance-planning/what-is-life-insurance

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Term life insurance is insurance that provides financial protection for a set amount of time. Term is usually less expensive as well.
Link: https://www.fidelity.com/life-insurance/life-insurance-planning/what-is-life-insurance

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Life insurance is an agreement between you and an insurance company in which you pay money every month and then the insurance pays a lump-sum known as a death benefit. The insured beneficiaries receive this money upon the death of the insured.
Link: https://www.fidelity.com/life-insurance/life-insurance-planning/what-is-life-insurance