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Term life insurance lasts for a number of years before it expires. If you die before the term is up, a set amount of money, known as the death benefit, is paid to your designated beneficiary. 

Term insurance is considered the simplest, most accessible life insurance policy.

Whole life insurance, on the other hand, is a type of permanent life insurance because it does not expire. It has a death benefit and a cash value, which is an investment-like, tax-deferred savings account that is included in the policy. The cash value accrues interest at a predetermined fixed rate

Universal life insurance has a cash value, just like a whole life insurance policy. Your premiums go toward both the cash value and the death benefit. But there’s a twist: You can change the premium and death benefit amounts without getting a new policy.

Although you need to have a minimum premium to keep the policy in force, you can use the cash value to pay that premium

If term life insurance, whole life insurance, or other permanent policies aren’t a fit, but you’re still looking for a way to cover funeral or burial costs, final expense life insurance might be right for you.

Final expense insurance is a unique type of policy that covers the cost of anything associated with your death. It’s useful if you don’t have another way to pay for your funeral.