A term life insurance policy covers the policyholder for a specific amount of time, which is known as the term. The term lengths vary according to what the individual chooses. 

Universal Life Insurance combines the lifelong protection of whole life insurance with the unique flexibility to increase or decrease your coverage amount (subject to approval by the life insurance provider). It's also perfect for those whose financial situation may change over time, as you can choose to pay a lower or higher amount for your policy. 

Return of premium life insurance is a type of coverage that will return the premiums that were paid in for the coverage if the insured on the policy survives throughout the entire “term,” or time period, of the policy. 

Most things in life come with an expiration date — from groceries to coupons and even certain types of life insurance. But there's one exception to that rule: a whole life insurance policy. 

 An indexed universal life insurance policy, aka IUL insurance, or simply IUL, is similar to traditional Universal in that it offers a death benefit and a cash value account that increases over time.  Where IUL differs from UL is that these policies enable policyholders to invest some or all of their available cash account in a subaccount option based on the performance of market indices such as the S&P 500 or the NASDAQ 100. 

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