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Life Insurance There are two main types of Life Insurance:Term Assurance & Whole of Life or Endowment Policies What is the difference between Term Assurance and Whole of Life or Endowment policies? The simplest answer to this question is that term insurance provides protection against death during a specified period and whole of life insurance provides protection against death at any time. ... Whole of life insurance will always result in a payment. How much that payment is depends on what type of policy it is and the performance of any investments within the policy.