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Life insurance is the basis of any financial plan whether you're single, have a spouse, or a family. Having enough protection can mean all the difference to loved ones left behind, especially in your prime earning years.
Traditionally, life insurance pays death benefits to beneficiaries of employees who die during their working years.
There are two main types of life insurance:
 Survivor income plans, which make regular payments to survivors.
Group life insurance plans, which normally make lump-sum payments to specified beneficiaries.
Protection provided by one-year, renewable, group term life insurance, with no cash surrender value or paid-up insurance benefit, is very popular. Frequently, health insurance programs offer this coverage.
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