All of the following are life insurance products EXCEPT

Universal life insurance is a type of permanent life insurance that offers flexibility in premium payments and death benefits. It combines a death benefit with a savings component that earns interest over time. Policyholders can adjust their premiums and death benefits within certain limits, providing more control over the policy.

Term life insurance provides coverage for a specified period, such as 10, 20, or 30 years. If the insured individual dies during the term, the policy pays out a death benefit to the beneficiary. Term life insurance does not accumulate cash value and is typically more affordable than permanent life insurance.

Whole life insurance is a type of permanent life insurance that covers the insured individual for their entire life. It offers a guaranteed death benefit, fixed premiums, and a cash value component that grows over time. Policyholders can access the cash value through loans or withdrawals while still maintaining the death benefit.