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https://www.thebalance.com/when-will-you-get-your-inheritance-3504965

https://termlife2go.com/five-incredible-elements-of-indexed-universal-life-insurance/

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Premiums and Factors That Determine Them 

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Premiums and Factors That Determine Them 

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- Types of assets the decedent owned
- Value of those assets
-  Whether the estate is taxable at the state/federal level
- How many beneficiaries are involved
- Whether the beneficiaries get along
- Skills and diligence of the Personal Representative or Successor Trustee

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Beneficiaries and How They Receive Payment 

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Beneficiaries and How They Receive Payment 

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Beneficiary- the person or entity you name in a life insurance policy to receive the death benefit

How they receive payment:
Through a check after the process
1. Inventory the decedent's documents and assets
2. Get appointed as Personal Rep. of the probate estate or accept appointment as Successor Trustee
3. value the decedent's assets
4. Pay the decedent's final bills
5. File applicable tax returns and pay taxes

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Term-  a policy that covers you for a set period of time

Whole- Provides permanent coverage that last a lifetime as well as guaranteed premiums and a guaranteed cash value

Universal- a low priced permanent policy, with a flexible death benefit period that can be tailored to last until 90, 95, 100, 110 and ,121

Variable- 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

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A contract between an insurer and a policyholder in which the insurer guarantees payment of death benefit to named beneficiaries upon the death of the insured