In terms of the actual types of life insurance, this will completely depend on what life insurance company you are with as well as the agreement made right at the very beginning of the contract. (termlife2go.com)
However, the author has already assigned the rights to publish the book at the beginning of the contract, so even if the author retains the copyright, it doesn't mean the book remains the author's property. (fonerbooks.com)
And I say to people, «Don't start at the beginning of the contract. (thecreativepenn.com)