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https://finance.zacks.com/payment-made-beneficiaries-life-insurance-policy-7352.html
https://www.policygenius.com/life-insurance/types-of-life-insurance/#term-life-vs-whole-life
https://www.fidelity.com/life-insurance/life-insurance-planning/what-is-life-insurance

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A beneficiary is someone who receives money or other benefits from a benefactor. They receive money/ payment by filing a claim and then they typically have to wait 30 to 60 days until the insurance company pays out. A premium is an amount paid to the insurance company. Different things that determine the cost of your premiums are, your gender, age, geographical location, years of driving experience and driving record.

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Life insurance is an agreement between the insurance company and the consumer that gives the person paying for insurance certain coverage's.

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There are many many many different types of life insurance. There are

Term life insurance.

Permanent life insurance.

Whole life insurance.

Universal life insurance.

Variable life insurance.

Variable universal life insurance.

Simplified issue life insurance.

Guaranteed issue life insurance.

There are even more than that. However the most common ones are Term, Permanent, Whole and Universal. Term life insurance is when you pay for your life insurance for the death benefit and it goes to your beneficiaries. Whole life insurance is when you also have that death benefit but there is also a bit of money that goes too a separate areas to help cover other things.