Life insurance is meant to provide protection against the lost income that would result if the insured were to pass away. It is a form of insurance policy agreement between an individual and an insurance company on the life of a person. If the person dies then the insurance policy pays out a sum of money to the policyholder (usually a family member, friend , partner, business, institution, or other assigned beneficiaries).

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There are four main types if life insurance: Whole Life, Term Life, Endowment and Universal Life.

Definitions may vary slightly from company to company and from state to state. Therefore is may be best to seek consultation with a local life insurance company or representative in your area.