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Two common types of life insurance, term life insurance and whole life insurance, can be useful coverage for many people. However, term and whole life insurance function very differently.

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There are other considerations as well. In order to provide greater benefits, a whole life policy requires significantly higher premiums than a term policy with the same coverage limit.

Indexed universal life (IUL) insurance is a type of universal life insurance that provides a cash value component along with a death benefit. The money in a policyholder's cash value account can ...

Our opinions are our own. Here is a list of our partners and here's how we make money. A life insurance policy pays a sum of money to your beneficiaries if you die while the policy is active.