Term life insurance or term assurance is life insurance that provides coverage at a fixed rate of payments for a limited period of time.

Whole life insurance, or whole of life assurance, sometimes called "straight life" or "ordinary life," is a life insurance policy which is guaranteed to remain in force for the insured's entire lifetime, provided required premiums are paid, or to the maturity date.

This annuity is used for retirement or saving for retirement. These are for someone who wants to have stable fixed interest and does not want to loose their principal. A fixed annuity will provide steady and guaranteed growth with the tax-deferred benefit.

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