What is life insurance?
Life insurance is a financial product that provides a monetary benefit to the beneficiary when the insured person passes away. The main types of life insurance are:

-   Term life insurance - provides coverage for a specific period of time, usually 10-30 years. It offers high coverage amounts but does not accumulate cash value. It's suitable if you want coverage for a specific period, like while you have financial dependents.
-   Whole life insurance - provides coverage for the insured's entire life and also accumulates cash value over time. The coverage amount and premiums remain fixed. It's more expensive than term life but provides permanent coverage and also the accumulated cash value can be borrowed against or withdrawn.
-   Universal life insurance - provides flexible coverage and allows the insured to adjust the coverage amount and premiums. Part of the premiums go towards coverage and part accumulates cash value. It's more flexible than whole life but can be more complex.

The main purpose of life insurance is to provide financial protection for dependents or beneficiaries after the insured person passes away. It can help cover living expenses, pay off debts, fund children's education, or other financial needs. The precise type and amount of coverage will depend on an individual's unique situation and needs.
What factors should someone consider when choosing a life insurance policy?
hi, bro, i'm stuck sorry you must fuck me OHHHHHHHHHHHHHHHHHHHHHHHHHH MYYYYY NIIICDE