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premiums- its the amount you pay to the insurance so they cover you
they determine it with your past health life and your life style

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

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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 person who derives advantage from something, especially a trust, will, or life insurance policy. he beneficiary of a life insurance policy receives the death benefit, this money is not counted as taxable income, and the beneficiary does not have to pay taxes on it

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Life insurance is insurance that pays out a sum of money either on the death of the insured person or after a set period.

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1.Term Life Insurance- Term life provides pure death benefit protection for a specific period of time (typically 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
2.Whole Life Insurance-  It’s 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 that inevitable day, it typically has higher premiums than other common types of life insurance.
3.universal life insurance-  is a low priced permanent policy, with a flexible death benefit period that can be tailored to last until age 90, 95, 100, 110 and 121. It is best described as a term/whole life hybrid. This type of life insurance will build minimum cash value and the coverage ends at the age specified.
4.Variable Life Insurance-   is a life insurance policy type in which the face value fluctuates depending upon the value of the dollar, securities, or other equity products supporting the policy at the time payment is due