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Term life insurance offers straightforward and budget-friendly coverage for a specified duration, usually between 10 and 30 years. If you pass away during this predetermined term, your beneficiaries are entitled to the policy's payout.

The most common term policy is a level term policy, where the death benefit remains constant throughout the policy's active period. Alternatively, the benefit can be decreasing, diminishing over time, often in one-year increments.

 Whole life insurance provides coverage for the entire lifetime of the insured, in contrast to term life insurance, which has a specific duration. Many whole life policies come with level premiums, ensuring that the monthly payment remains constant over time.

Additionally, whole life insurance includes a cash savings element called the cash value, which the policy owner can access or borrow against. The cash value of a whole life policy usually earns a fixed rate of interest.

 Universal life insurance is a form of permanent life insurance.  It shares common traits with other permanent policies, including a cash value element and lifelong coverage contingent on premium payments. Unlike whole life insurance, universal life allows you to modify your premiums within defined limits and may present a more economical option than whole life coverage.

 Final expense insurance is a compact whole life insurance policy with straightforward eligibility criteria. The beneficiaries of a final expense life insurance policy have the flexibility to utilize the payout for various end-of-life expenses, including funeral services, caskets or cremation, medical bills, nursing home costs, obituaries, flowers, and other related expenses. Nevertheless, the death benefit can be applied to any purpose as needed. 

A fixed annuity is an insurance contract that commits to providing the purchaser with a specific, guaranteed interest rate on their contributions to the account. In comparison, a variable annuity yields interest that can change based on the performance of an investment portfolio chosen by the account's owner. Fixed annuities are frequently utilized in retirement planning. 

 As the name suggests, disability insurance is a form of insurance that offers financial support when a policyholder is unable to work and earn income due to a disability.