With a permanent life insurance policy, you will pay premiums for your coverage, so that after you pass away, your death beneficiaries will receive a set lump sum. (firstlife.insure)
If you're a tobacco user, either a smoker or you use chewing tobacco, you can expect to pay much higher premiums for your coverage. (insurancescored.com)
It also allows flexibility to choose lower premiums for a coverage of lesser duration for example till age 100. (lifequote.com)