There are fundamentally only two types of life insurance available to satisfy your needs. They come under many names and have many frills, complications and purposes, but they all offer only two basic alternatives. They are Term Insurance and Cash-Value (often referred to a Whole Life) Insurance-- similar in some respects but different in many others. The costs vary dramatically based on a number of factors. In this section, you will be provided examples illustrating the relationships between coverage types and premiums, for men and women, young and old, healthy or not.