Can Term Life Insurance Have Cash Value? 
That is a great question ! There is a reason why things are cheap . You buy a cheap car , you spend a lot on repairs . You buy cheap clothes , they rip or shrink . Term insurance is cheap because it has very few perks , like a whole life policy would . Your term policy will have no cash value , and will end at a specific time . Because there is no management of your cash involved , and the odds are great that the company will collect from you for years and not have to pay you anything , those policies can be sold very cheaply . About the only way that you can stack the odds back in your favor and get money out of your policy would be to get a `` return of premium '' policy or rider . For a larger premium payment , this allows you to receive back most of what you had paid into the policy . If you have questions , feel free to drop me a line , okay ? Thanks for asking ! 