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Premiums and factors that determine them

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Premiums and factors that determine them

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1. Age
2. Gender
3. Medical history of family
4. smoking and drinking habits
5. your health history
6. your current health status
7. your lifestyle
8. your profession
9.policy tenure and death benefits
10. mode of buying a policy
11. mode of premium payment
12. Obesity
https://www.mymoneysage.in/blog/12-factors-that-determine-your-life-insurance-premium/

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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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Receiving payment from your life insurance  involves your beneficiaries filing a claim and then waiting up to 30 to 60 days for the insurance company to pay out. Your beneficiaries may get to choose from different payment options
https://finance.zacks.com/payment-made-beneficiaries-life-insurance-policy-7352.html#:~:text=Receiving%20payment%20from%20your%20life,choose%20from%20different%20payment%20options.

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There are two categories of life insurance, the long term and the short term. The long term is called permanent life insurance and the short term is called term life insurance. Term is term life insurance, simplified issue life insurance, Guaranteed issue life insurance, and Group life insurance. Permanent is whole life term, universal life insurance, variable life insurance, simplified issue life insurance, Guaranteed  issue life insurance, and group life insurance
https://www.nerdwallet.com/blog/insurance/types-of-life-insurance/

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Life insurance is a contract with an insurance company. Life  insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured's death
https://www.fidelity.com/life-insurance/life-insurance-planning/what-is-life-insurance