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Life insurance is a contract between an insurance policy holder and an insurer or assure, 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.

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Term Insurance: 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

Whole life insurance: Is a permanent policy, which gives you guaranteed finical protection for your loved ones in the event that your loved one dies.

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Universal Life Insurance:  Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy , which is credited each month with interest.

Variable Life Insurance is a permanent life insurance policy with an investment component. The policy has a cash value account, which is invested in a number of sub-accounts.

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A beneficiary is the person who will receive the life insurance money in the event that the insured dies.

How do you receive payout: The beneficiaries have to file a death claim with the insurance and provide a copy of the death certificate.

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What can affect your life insurance is your age, gender, health history, family health history,smoking, hobbies and occupation

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

https://lifehappens.org/blog/10-things-you-didnt-know-about-life-insurance/

https://termlife2go.com/types-of-life-insurance-policies/

https://www.trustedchoice.com/life-insurance/coverage-basics/beneficiaries/