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 Term life insurance is a type of life insurance policy that provides coverage for a specific period or "term," usually ranging from 10 to 30 years. If the insured person passes away during this term, the policy pays a death benefit to the beneficiaries. If the term expires and the insured is still alive, the policy ends without any payout, and no return of premiums is given. This type of policy is the cheapest.

 Whole life insurance is a type of permanent life insurance that provides coverage for the insured person's entire lifetime, as long as premiums are paid. Unlike term life insurance, which only covers a set period, whole life insurance offers lifelong protection and includes a savings component that builds cash value over time.  

 Index Universal Life Insurance (IUL) is a type of permanent life insurance that combines elements of traditional universal life insurance with the potential for cash value growth linked to the performance of stock market indexes, such as the S&P 500.  

 Final expense insurance, also known as burial insurance or funeral insurance, is a type of life insurance policy designed to cover the costs associated with a person's funeral, burial, and other final expenses.  

 Mortgage protection insurance is designed to protect homeowners and their families from the financial burden of mortgage payments in case of death, disability, or involuntary unemployment. It provides a safety net during difficult times, ensuring that your home remains secure and mortgage-free for your loved ones.