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Level premium life insurance policies have a charge that accounts for an investment portion of the policy to build a reserve that covers a portion of the policy's death benefit. The purpose is for the cash value to eventually replace all of the death benefit, and this is the point at which the policy matures.

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Description:
How this works is different for each type of life insurance coverage and so the basic concept for each policy is summarized below: When a Term Life Insurance policy matures. With this kind of policy the coverage runs for a pre-agreed period, usually around yrs. If you have selected a term life insurance product and you are still living at the end of the period of insurance, there will be no payment made to you. The policy will expire.

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