Some policies offer riders that combine the cash value and death benefit into a larger total payout, but this isn't standard and typically costs more in premium.
Want an answer specific to your situation? A licensed agent can walk through your options in a few minutes.
Call (844) 658-4509If leaving a larger total legacy is important to you, it's worth asking an agent specifically whether the policy you're considering pays cash value in addition to the face amount, since this varies by carrier and policy design.