Is There A Cash Value On Term Life Insurance? 
That is a great question , and one I am asked often ! The answer is nope , it does not . The rule of thumb `` you get what you pay for '' applies to term life policies also . They are low cost because of two reasons . The first is that they do n't pay out very often . The term almost always expires before the insured does , and so no payout is made . The second is that your premium payment is usually just enough for the company to cover its costs , with a little profit . Therefore , there are no whistles and bells like cash values . I hope that helps , thanks for asking ! 