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)

What's the best answer to this question: does whole life insurance have cash surrender value?
yes