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Life insurance is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money in exchange for a premium, upon the death of an insured person.
Whole life
With a "Whole Life Insurance" policy or a graded death benefit plan, your policy will provide you with coverage for your entire life, as long as you pay your monthly premium.
Universal Life
Universal life insurance is a form of permanent life insurance that may provide life insurance protection along with the benefit of flexible premiums, and cash value buildup, similar to the savings element in whole life insurance.
Term Life
Term life insurance provides coverage at a fixed rate for a limited period of time.
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