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A premium is an amount to paid for an insurance policy. Factors that can effect these premiums include; age, gender, smoking, health, lifestyle, family medical history, and driving record. Life insurance premiums are based on many factors and some are out of your control.

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Beneficiaries are is a natural person or other legal person who receives money or other benefits from a benefactor.  benefits are paid when the insured has died, and the beneficiaries file a death claim with the insurance company by sending them a copy of the death certificate.

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Universal life insurance 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. But, some require a single premium or fixed premiums. It is also very flexible compared to other types of life insurance. the cost of insurance is the minimum amount of a premium payment required to keep the policy active. It is made up of several items rolled together into one payment.

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Whole life insurance is a permanent life insurance policy that provides death benefit protection for your entire life. Generally, whole life insurance offers guaranteed fixed premiums, guaranteed cash value accumulation, and guaranteed protection until the day you die. Since whole life insurance will be with you until death, it usually has higher premiums than other common types of life insurance.

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https://www.investopedia.com/ask/answers/08/variable-life-insurance.asp
https://termlife2go.com/types-of-life-insurance-policies/
https://www.investopedia.com/terms/u/universallife.asp
https://www.investopedia.com/articles/investing/102914/7-factors-affect-your-life-insurance-quote.asp

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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 available in the policy. A sub-account acts similar to a mutual fund, except it's only available within a variable life insurance policy. A typical variable life policy will have several sub-accounts to choose from, with some offering 50 different options.

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Term life insurance provides pure death benefit protection for a specific period of time usually 10, 15, 20, or 30 years. The specific period of time is the “term” of the policy. Once the term ends the life insurance policy will renew on an annual basis. Most term life insurance policies will allow the owner of the policy to renew until age 95. But, insurance policies renew at an increased premium. Many premiums can increase by 300%.

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