At their most basic, these are policies where you have a fixed sum assured for a fixed period of time, eg £100,000 for 20 years.
If you survive the term, you get nothing. There is no element of investment.
As a rule, if you need to make any changes these will be at the discretion of the insurance company, (though some contracts will allow special occasion changes, such as being allowed to increase cover if you have a child).
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