Years ago an old aunt came to me and told me that she had a couple of old life insurance policies
that she had not paid premiums on for more than 10 years.
She thought the policies must have lapsed. I took her into an agency office of the company and met with an agent.
After a few telephone calls he came back with the verdict. Not only were both these old policies still in force, but they had cash values in excess of $3,000 They were whole life policies.
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Term life insurance is life insurance in it's simplest form. These policies stay in force for a specific number of years, for example, 5 years 10 years etc.