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Beneficiary - the person(s) selected by the policyholder to receive the death benefit (life insurance proceeds) upon the death of the insured.

Cash Value - the amount of money available in cash for loans or withdrawals. Keep in mind when you get a life insurance agent quote that some policies do not have cash value.

Death benefit - the proceeds of a life insurance policy. The money that is paid to the beneficiary upon the death of the insured.

Insurability - how acceptable an applicant is for insurance.

Permanent Life Insurance - any form of life insurance other than term. This type of coverage provides and lifetime of protection and also usually accumulates cash value over time. Consider permanent life when you get a life insurance agent quote if you would like a lifetime of coverage with stable premiums and the opportunity for tax-deferred cash growth.

Premiums - payments you make to an insurance company to purchase a policy and keep it in effect. When you get a life insurance agent quote, it will estimate your policy's premiums.

Term life insurance - life insurance policy that provides temporary protection, does not build cash value over time, and whose premiums increase as the insured ages.

Get a life insurance agent quote today and start the process.