What type of policy would offer a 40-year old the quickest accumulation of cash value?

What type of policy would offer a 40-year old the quickest accumulation of cash value?

What type of policy would offer a 40-year old the quickest accumulation of cash value? In this situation, a 20-pay Life policy offers the quickest accumulation of cash value. Whole life provides the insured with a cash value as well as a level face amount.