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The premiums for term life insurance are less than cash value insurance premiums.

Explanation:

The premiums that are the monthly payments thata are done to pay the coverage of the insurance policy are cheaper in term life insurance than in cash life insurance as the term only covers the beneficiaries for the period the policy is bought for example: six months. If the person who owns the policy dies in six months then the insurance company has to pay the beneficiaries the capital set in the policy.

However if the person dies after the six months or does not die the insurance company do not pay anything to the purchaser of the policy.

In the cash life insurance the person receives one final payment whereas the person lives or dies as the policy acts as a saving plan.