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Life insurance comes under two broad categories—whole and term life insurance. Term life insurance is the simplest, most straight-forward form of life insurance. You simply pay regular premiums in order for your beneficiary to receive a pre-determined death benefit. Since there is no investment component, term life insurance is the cheapest life insurance you can buy. You can purchase term or temporary life insurance for specific term periods such as 10, 20, or 30 years.Permanent life insurance not only guarantees a death benefit, but it’s a popular policy because a portion of the premiums you pay goes toward building cash value. The dividends that are earned can later be used to pay off future premiums. A few variations of permanent life insurance are mentioned here:

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