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Its a  financial contract that protects an Individual's dependents in the case of his or her death

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1.Term life insurance is a policy with a limited coverage period\
2.Whole life insurance provides coverage for the life of the insured. In addition to providing a death benefit, whole life also contains a savings component where cash value may accumulate.
3.Universal life insurance is permanent life insurance with an investment savings element and low premiums similar to term life insurance.
4.Variable life insurance is a permanent life insurance product with separate accounts comprised of various instruments and investment funds, such as stocks, bonds, equity funds, money market funds, and bond funds.

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Beneficiaries and how they receive payment

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Beneficiaries and how they receive payment

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The insured will choose their desired death benefit amount based on estimated future needs of surviving heirs. The insurance company will determine whether there is an insurable interest and if the insured qualifies for the coverage based on the company's underwriting requirements.

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Premium payments are set using actuarial based statistics. The insurer will determine the cost of insurance, or the amount required to cover mortality costs, administrative fees, and other policy maintenance fees. The factors that influence the premium are the insured’s age, medical history, occupational hazards, and personal risk propensity.

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https://www.investopedia.com/terms/t/termlife.asp
https://www.investopedia.com/terms/u/universallife.asp
https://www.investopedia.com/terms/v/variablelifeinsurancepolicy.asp
https://www.investopedia.com/terms/l/lifeinsurance.asp