How Do You Determine Cash Value Of Term Life Insurance Policy? 
The only type of term insurance that has a cash value is ROP Term . This stands for Return of Premium Term . About halfway through the term , it will pay back some cash if you surrender the policy . At the end of the term , it will pay back all the premiums you paid in . Keep in mind that the cash value of ROP term is not able to accessed unless you surrender the policy . 