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Life insurance is a contract between an insurance provider and the policyholder. In exchange for regular premium payments, the insurer promises to pay a lump sum of money, known as the death benefit, to the designated beneficiaries upon the policyholder’s death.

There are two main types of life insurance policies: term life insurance and permanent life insurance. Term life insurance provides coverage for a specific period, typically ranging from one to thirty years, while permanent life insurance provides lifelong protection and often includes an investment component.

Yes, you can typically change or cancel your life insurance policy at any time. However, keep in mind that canceling your policy may result in the loss of any premiums you have paid, and changing your policy may result in changes to your coverage and premiums. It’s important to consult with your insurance provider to understand your options and any potential consequences.