Term life insurance is not known to be a cash accumulating life insurance plan so there is nothing to cash in. A term life policy builds no cash value inside the policy, so if you end your coverage you would receive no money back.

Term life insurance is a temporary plan that lasts for a specific period of time, usually 10, 15, 20 or 30 years.

Only the cash value type of life insurance insurance plans can be cashed in after a certain period of time. Those most common are whole life insurance, universal life, indexed universal life and variable life insurance.

But term life has no cash value so it cannot be "cashed in". You can choose to end your term life insurance coverage but you will not receive and cash back.

Return premium term life insurance returns most of your paid premiums back to you if you outlive the term of your term life policy.