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 Life Insurance
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Life insurance requires the insured to pay a one-time premium to receive a fully paid life insurance policy. There is usually a minimum death benefit that depends on the individual insured and the amount of the lump sum payment received for the policy. Provides a stated benefit upon the holder's death, and provided that the death occurs within certain specified time period.

 Types of life insurance
 
 Term Life insurance: provides a specific amount of life insurance coverage for a designated time period. Currently, the available policy lengths for Term Life insurance are one year, five years, ten years and fifteen years.
 
 Whole Life insurance: provides coverage for the entire life of the person insured, regardless of how long you have the policy or how much has been collected in premium payments that keep the policy in force.
 
 Universal Life insurance: a variation of Whole Life insurance. The difference is that with Universal Life, the term life portion of the policy is separate from the investment or cash portion of the policy.
 
 Variable Life insurance: a form of Whole Life insurance. As with Whole Life and Universal Life insurance, part of the premium payment goes toward the term life portion of the policy, part to administrative expenses and part to the investment or cash value portion of the policy.
 
 Retirement Insurance
It is newly-introduced advanced retirement insurance for employees' livelihood stabilization in old age and company's long-term business stabilization. It is a kind of external reserve for retirement allowance, which is paid in the form of pension or lump-sum payment after retirement.


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