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1. insurance that pays out a sum of money either on the death of the insured person or after a set period. There a typically 2 different types. Term and Whole. Term covers you a set period of time like 10, 20, 30 years. And whole covers for the rest of your life.

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1. Term life insurance is insurance that covers you for a set amount of time like 10,20,30 years.
2. life insurance that pays a benefit on the death of the insured and also accumulates a cash value.
3. Universal-the excess of premium payments above the current cost of insurance is credited to the cash value of the policy, which is credited each month with interest.
4. variable-  Variable life insurance is a permanent life insurance policy with an investment component. The policy has a cash value account, which is invested in a number of sub-accounts available in the policy.

# data[].attributes.body
1. a person who derives advantage from something, especially a trust, will, or life insurance policy.
2. They are paid when the insured has died, and the beneficiaries file a death claim with the insurance company, submitting a certified copy of the death certificate. Many states allow insurers 30 days to review the claim. Then they can pay it, deny it or ask for additional information.

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1. Premiums are set amount of money you have to pay each month even if you don't use that insurance.
2. When talking about life insurance premiums some of the main factors of how they dieced is 1. they look at you history and try to see if you have had any major health experiences.
2. They look at your age. If you are younger that means you are probably going to die later, and if you are old that means you will go sooner, so they charge the older people more for that reason.
3. Although an 18-year-old man who drives a red sports car is more likely to pay a higher insurance premium than a 50-year-old man who drives a four-door sedan.
4. You always have to go through the underwriting process. The underwriting process involves investigation into familial diseases, analysis of reports like medical information bureau and motor vehicle reports.

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1. https://www.investopedia.com/ask/answers/09/calculating-premium.asp
2. https://www.investopedia.com/articles/personal-finance/121914/life-insurance-policies-how-payouts-work.asp
3. https://termlife2go.com/types-of-life-insurance-policies/