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Term life insurance - Term life insurance is the original form of life insurance and is considered to be pure insurance protection because it builds no cash value. This is in contrast to permanent life insurance such as whole life, universal life, and variable universal life.

Buy term and invest the difference - Buying term and investing the difference is a concept involving term life insurance and investment strategies that provide individuals an alternative to permanent life insurance. Generally speaking term insurance premiums are considerably less expensive in the short term than permanent life insurance for an individual for the same benefit amount.

Return of premium life insurance - Return of premium life insurance is a type of term life insurance policy. The concept is that the policy returns the premiums you have paid for coverage over that fixed term period if coverage is never used.

American Council of Life Insurers (ACLI) - The American Council of Life Insurers (ACLI) is a Washington-based lobbying and trade group for the life insurance industry. In addition to traditional life products, its members also sell reinsurance, annuities, long-term care and disability insurance, and manage pensions and employee benefit programs.

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