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  Insurance Policy Term life insurance is defined as a life insurance policy that provides a stated benefit upon the death of the policyholder if the death occurs within a certain time period. However, unlike an insurance policy, which allows investors to share in the returns from the insurance company's investment portfolio, the policy doesn't provide any returns beyond the stated benefit.  Annually renewable term life: Historically, as the risk of death increased, so did the term life rate. While unpopular, this type of life insurance policy is still available and is commonly known as annually renewable term life insurance (ART). Guaranteed level term life: Many companies now provide level term life insurance. The premiums on this type of insurance policy are intended to remain constant for a period of 5, 10, 15, 20, 25, or even 30 years. Level term life insurance policies have grown in popularity due to their low cost and ability to provide relatively long-term coverage. Bu...