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Term: A policy that covers you for a set period of time.

Whole: A policy that covers you permanently for life.

Universal: A policy where the insured is protected with a guaranteed amount of death benefit proceeds.

Variable: A permanent life insurance policy with an investment component.

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Life insurance is insurance that pays out a sum of money either on the death of an insured person or after a set period.

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What are beneficiaries and how do they receive payment? 

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What are beneficiaries and how do they receive payment? 

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Beneficiaries are people who derive advantage of something, especially a trust, will, or life insurance policy. They collect money by phone contact or online to inform the insurance company to inform of death, as well as submit a claim and show a death certificate.

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What are premiums and the factors that determine them?

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What are premiums and the factors that determine them?

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A premium is an amount of money that an individual or business must pay for an insurance policy.

Factors that influence premiums include age, gender, health history, family health history, hobbies, and many more.

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https://www.fidelity.com/life-insurance/life-insurance-planning/what-is-life-insurance

https://www.investopedia.com/ask/answers/08/variable-life-insurance.asp

https://www.iii.org/article/what-beneficiary

https://www.quickanddirtytips.com/money-finance/insurance/how-do-beneficiaries-collect-life-insurance-benefits

https://www.investopedia.com/terms/i/insurance-premium.asp