Death Benefit

A death benefit is an amount of money which is paid out to the beneficiary of a life insurance policy when the policyholder dies of a covered cause within the insurance term. It is identical to the face value of a life insurance policy.

Typically, the death benefit is decided at the time that a life insurance policy is taken out, and remains unchanged throughout the insurance term.

The death benefit of a life insurance policy has a direct effect on the premiums charged for the policy: The higher the death benefit, the higher the insurance premiums.

More on this topic:
Term life insurance comparison
Life insurance: Useful tips
Term Life Insurance vs. Mixed Life Insurance

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Editor Daniel Dreier
Daniel Dreier is editor and personal finance expert at moneyland.ch.

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