The cash value of a term life insurance policy is not determined because term life insurance policies do not have a cash value component. Unlike permanent life insurance policies, such as whole life or universal life, term life insurance policies are designed to provide coverage for a specific term, typically 10, 20, or 30 years. These policies do not accumulate cash value over time. The primary purpose of term life insurance is to provide a death benefit to the policyholder's beneficiaries if the insured person passes away during the term of the policy. Once the term ends, the coverage typically expires, and there is no cash value or residual value left in the policy. It's important to note that while term life insurance policies do not have a cash value, they are generally more affordable compared to permanent life insurance policies. If you're looking for a policy that accumulates cash value, you may want to consider a permanent life insurance policy instead.