Term life insurance is the original form of life insurance. It is considered to be a form of "pure" insurance. This means that the actual policy itself builds no cash value. Without cash value, the policy cannot be sold for money. The other types of life insurance, such as permanent life insurance, whole life, variable universal life, and universal life, are all different in that they do have a cash value and can be sold for money before the policy is cashed in.

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