What type of life insurance policy offers pure death protection?

Term insurance provides pure death protection by offering a death benefit to the beneficiaries if the insured dies within the specified term of the policy. Unlike other types of life insurance, term insurance does not have a cash value component; it is designed to provide a financial safety net for a defined period, such as 10, 20, or 30 years. If the insured survives the term, the coverage ends without any payout. This makes it a straightforward option for those seeking life insurance solely for the purpose of covering potential financial losses associated with the death of the insured.

Whole life insurance, universal life insurance, and variable life insurance, on the other hand, include a savings or investment component and are thus designed not only to provide a death benefit but also to build cash value over time, thereby complicating the purpose of the insurance beyond pure death protection.