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Life insurance is a contract with an insurance company in exchange for payments. The insured makes regular payments to the provider, with the company promising to pay out a settlement to the insured's beneficiaries upon his or her death.

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Term: Term life insurance provides pure death benefit protection for a specific period of time. For example 10, 15, 20, or 30 years. When that specific period of time ends the life insurance will renew on an annual basis
Whole: Whole life insurance is a permanent life insurance policy that provides death benefits protection for your entire life.
Universal: Guaranteed universal life insurance is a low priced permanent policy with a flexible death benefit period that be tailored to last until age 90, 95, 110, and 121. This type of life insurance will build minimum cash value and the coverage ends at the age specified.
Variable: Variable Universal life is a life insurance policy in which the face fluctuates depending upon the value of the dollar, securities, or other equity products supporting the policy at the time payment is due.

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Premiums and factors that determine them 

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Premiums and factors that determine them 

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Some  factors are your age, gender, health history, family heath history, smoking, hobbies, and occupation.
Some premiums can be home much the insurer wants to pay.

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What are beneficiaries and how they receive payment

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What are beneficiaries and how they receive payment

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Term: This life insurance primary beneficiary is the person who will receive the proceeds of the life insurance policy when the insured dies. They receive payment when the death benefit of the policy is paid only if the insured dies during that period.
Whole: Some insurers offer a rider that gives your beneficiary the face value plush cash value.
Universal: The amount of total premiums paid for a policy minus the cost for insurance , also the cash value grows tax-free in the insurance policy.
Variable: The variable;e death benefit refers to the amount paid to a decedent's beneficiary that is based on the performance of an investment account

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https://www.fidelity.com/life-insurance/life-insurance-planning/what-is-life-insurance

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

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