Whole life insurance

Cash values are an integral part of a whole life policy, and reflect the reserves necessary to assure payment of the guaranteed death benefit. Thus, ``cash surrender'' (and ``loan'') values arise from the policyholder's rights to quit the contract and reclaim a share of the reserve fund attributable to his policy. (see #Example of non-forfeiture values below)

Question: does whole life insurance have cash surrender value
Answer: yes