A life insurance policy pays a lump sum (based on the policy's terms and conditions), after your death, to provide for your family or settle any debt (i.e. outstanding amount on your car or home).  Some life policies allow you to include disability cover.

Term Life Insurance is relatively cheap, but does not have an investment/cash value.  When the agreed cover period have passed, the cover merely expires.

Whole Life Cover expires after the policy holder's death or when you surrender the policy.  Your premium is invested by the insurance company and you can borrow against the policy as soon as it has a cash value.

Universal Life Cover has an investment component included.  Your return on investment depends on the performance of the investment.  The growth rate is not guaranteed, but rapid growth is a possibility.

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