Can I Get Money From My Term Life Insurance Policy? 
That is a great question ! Unfortunately , the answer is no , because there is no money there to get . Term policies are as cheap as they are because the premium cost is generally just enough to cover the cost of insurance , associated costs , and the company 's profit margin . These policies have no cash value as a result , and no surrender value either . Whole life policies will have the cash value and surrender values that you were thinking of . I 'm sorry , but I appreciate you asking ! 