The best replacement for cash value is term life insurance.

The best alternatives to cash value are rated as following:

★★★★★	term life insurance
★★★★	replacement cost
★★★	surrender value
★★★	term
★★★	death benefit
★★	annual payments
★★	replacement value
★	net cash value
★	face value
★	cash surrender value
★	term insurance
★	net surrender value
★	face amount
★	face value of life insurance
★	replacement
	replacement cost insurance
	accumulation value
	payments
	agreed value
	fair market value
	face value life insurance
	whole life insurance
	annual payment
	term life
	retail value

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Speaking about cash value, one probably shouldn't forget about term life insurance.

Other search terms related to cash value and their ratings are:

★★★★★

term life insurance

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cash value

term life insurance

replacement cost