Cash value provisions are typically found in all of the following life insurance policies EXCEPT

Universal life insurance includes a cash value component that grows over time based on interest rates set by the insurer. Policyholders can adjust their premiums and death benefits, allowing for flexibility while accumulating cash value. This feature makes universal life distinct from decreasing term life, which lacks any cash accumulation.

Adjustable life insurance combines features of both term and whole life insurance, allowing policyholders to adjust their coverage amount and premium payments. Similar to universal life, adjustable life policies build cash value over time, offering policyholders the advantage of a savings component, which is not present in decreasing term policies.

Whole life insurance is designed to provide lifelong coverage and includes a guaranteed cash value that grows at a fixed rate. Policyholders can borrow against this cash value or surrender the policy for its cash amount. This accumulation of cash value is a significant feature that distinguishes whole life from decreasing term insurance.