Which Life Insurance Has Cash Value? 
Cash value comes with only with life insurance that accumulates value , not with term life insurance . This means you want a permanent policy , such as whole life , or universal life , or indexed universal life . All of these permanent policies accumulate cash value , in different amounts and based upon different reference points . The absolute safest is whole life . Index UL is in the middle and Universal has the most chance of change in accumulation , based upon what it relies upon . You should meet with an experienced life insurance agent to give yoU the fullpicture . Thank you . GARY LANE 