Life insurance is a type of insurance policy that provides financial protection for individuals and their families in the event of the insured's death. A life insurance policy pays out a death benefit to the policy's beneficiaries upon the death of the insured person.
There are two main types of life insurance policies: term life insurance and permanent life insurance. Term life insurance provides coverage for a specific period of time, such as 10 or 20 years, and pays out a death benefit if the insured dies during the term of the policy. Permanent life insurance provides coverage for the entire lifetime of the insured person, and includes a cash value component that accumulates over time.
Life insurance policies can be purchased by individuals or provided as a benefit by employers. The amount of coverage needed depends on a variety of factors, including the insured's age, health, income, and family situation.
Life insurance policies typically require the policyholder to pay regular premiums in exchange for the coverage. The cost of premiums is determined by several factors, including the amount of coverage, the length of the policy term, and the insured's age and health.
Overall, life insurance provides an important safety net for individuals and their families, helping to ensure that they are financially protected in the event of the insured's death.
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