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Life insurance is a contract that exchanges an amount of money to beneficiaries after insured persons death for a systematic payment.

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Term life insurance is insurance that provides coverage at a fixed rate of payment for a limited amount of time.

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Whole life insurance is insurance that remains for the insureds whole life and it requires premiums to be payed.

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Beneficiaries are people who receive the life insurance money after the end of the insureds term. To collect the insurance the beneficiary must go to the company and file a death claim, proving their death.

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Variable insurance is insurance that is permanent and is a cash value account that is invested in smaller sub-accounts.

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Universal life insurance is insurance where the excess of premium payments above the current cost of insurance is credited to cash value.

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Life insurance premium is the payment made as the insured as their portion of the insurance policy cost. Some things that determine the premium are age, gender, health history and occupation.

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1. https://www.guardianlife.com/life-insurance
2. https://www.investopedia.com/terms/t/termlife.asp
3. https://www.investopedia.com/terms/w/wholelife.asp
4. https://www.investopedia.com/terms/u/universallife.asp
5. https://www.investopedia.com/ask/answers/08/variable-life-insurance.asp#:~:text=Variable%20life%20insurance%20is%20a,a%20variable%20life%20insurance%20policy.
6. https://www.investopedia.com/terms/b/beneficiary.asp
7. https://www.investopedia.com/terms/i/insurance-premium.asp
8. https://www.fbfs.com/learning-center/8-factors-that-can-affect-life-insurance-premiums