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Term Life Insurance: When the policyholder pays premiums regularly. If they die while the policy is in effect, their beneficiary (or beneficiaries) receives a death benefit. It is relatively inexpensive because it’s stripped-down life insurance, without additional fees or maintenance, it’s much more affordable than whole life.

Whole life insurance: s a type of permanent life insurance, which stays in effect for as long as you pay the premiums. This means you never have to worry about uninsurability or losing your safety net as you get older. Your premiums payments are split between the death benefit and cash value.

Universal Life Insurance:  It is permanent life insurance with an investment savings element and low premiums like term life insurance. Most universal life insurance policies contain a flexible premium option.

Variable Life Insurance: Provides lifelong coverage as well as a cash value account. Variable life insurance policies have higher upside potential than other permanent life insurance policies as you can choose how the cash value is invested from a variety of options. It is a type of permanent life insurance policy, meaning coverage will remain in place for your lifetime so long as premiums are paid. Every variable life insurance policy has three primary components:

Death benefit

Cash Value

Premium

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Life insurance is a contract with an insurance company. It provides a tax-free lump sum of money to your loved ones in the event of your death, allowing them to continue toward their financial goals.

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https://www.policygenius.com/life-insurance/learn/whole-life-versus-term-life-insurance/

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

https://www.investopedia.com/terms/u/universallife.asp

https://www.iii.org/article/what-beneficiary

https://www.valuepenguin.com/life-insurance/variable-life-insurance

https://www.mcmha.org/factors-determine-life-insurance-premiums/

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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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A beneficiary is the person or entity you name in a life insurance policy to receive the death benefit. If you don't name a beneficiary, the death benefit will be paid to your estate. It takes around 10 to 14 days for a beneficiary to claim money.  The money gets distributed between all the beneficiaries.

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Premiums and Factors that determine them

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Premiums and Factors that determine them

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Age determines your life insurance premiums

You gender determines your life insurance premiums

Your physical condition

Your medical history

Your family's medical history

Your occpupation