The only certainty in life is its end, and a Life Insurance policy assures that your loved ones can grieve without financial worries. There are several kinds of Life Insurance policies, all of which provide a lump-sum payment to beneficiaries in the event of the insured’s death, but which differ in other details. Term Life Insurance policies last a predetermined number of years (10-20), after which the insured may be offered another term policy, although at higher premiums. Universal Life Insurance and Whole Life Insurance policies come with higher premiums, but have a cash value and last for the duration of the insured’s life. At ePlatinum we want to help you protect the people who make your life worth living.