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https://www.fbfs.com/learning-center/8-factors-that-can-affect-life-insurance-premiums

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A few thinks that will affect your premium
1. Age
2. Gender
3. Health history/family history
4. Hobbies
5. Occupation
6. If one is a smoker or drinker

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The insurance company will pay the beneficiaries or the people that get the money get the settlement in a "Lump sum payment" or in installments

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What are the different types of life insurance 

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What are the different types of life insurance 

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There are 4 kinds
1.Term- you only get money if the person dies in a certain time period
2.Whole- this last your entire life and builds cash value
3.Variable-the policyholder can invest the policy's cash value
4.Universal-This is a permanent policy that builds cash value with interest

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It basically makes sure your immediate family is taken care of financially