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A life insurance premium is the payment you make as your portion of the cost of an insurance policy. You can usually pay your life insurance premium monthly, quarterly, semi-annually, or annually. Your health history, family's health history, results of a medical exam, plus your driving history, credit score, and hobbies, are all taken into account by life insurance underwriters to assign you a health rating that will determine your premiums.

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TERM:Term life insurance or term assurance is life insurance that provides coverage at a fixed rate of payments for a limited period of time, the relevant term
UNIVERSAL :Universal life insurance is a type of cash value life insurance, sold primarily in the United States.
VARIABLE:Variable universal life insurance is a type of life insurance that builds a cash value.
WHOLE:Whole life insurance, or whole of life assurance, sometimes called "straight life" or "ordinary life," is a life insurance policy which is guaranteed to remain in force for the insured's entire lifetime, provided required premiums are paid, or to the maturity date.

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What are beneficiaries and how do they get paid

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What are beneficiaries and how do they get paid

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A beneficiary in the broadest sense is a natural person or other legal entity who receives money or other benefits from a benefactor. For example, the beneficiary of a life insurance policy is the person who receives the payment of the amount of insurance after the death of the insured.Receiving payment from your life insurance typically involves your beneficiaries filing a claim and then waiting up to 30 to 60 days for the insurance company to pay out. Your beneficiaries may get to choose from different payment options.

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Life insurance is a contract between an insurance policy holder and an insurer, where the insurer promises to pay a designated beneficiary a sum of money in exchange for a premium, upon the death of an insured person.