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A life insurance policy that provides coverage for a predetermined period, usually 10 - 30 year. 

If the insured dies during the policy period the death benefit is paid to the policy beneficiary.

A permanent life insurance policy that has fixed premiums and a guaranteed cash value.

Permanent life insurance with flexible premiums and cash value that is tied to a specific interest rate.

Permanent life insurance with investment options such as stocks, bonds and money market funds.

Life insurance pays a death benefit to your beneficiary should you die during the policy period.

Permanent life insurance policies last for your entire life whereas term life insurance has a specified expiration.

Life insurance premiums will depend on several factors such as:

• Age
• Gender
• Health history
• Tobacco use
• Alcohol and drug use
• Death benefit amount
• Body mass index (BMI)
• DUI's on driving record
• Type of policy: permanent life or term life