Which of the following options would provide coverage for the insured’s entire lifetime without accumulation of cash value?

The option that provides coverage for the insured's entire lifetime without the accumulation of cash value is term life insurance. Term life insurance is designed to offer protection for a specific period or term, such as 10, 20, or 30 years. It pays a death benefit to the beneficiaries if the insured passes away during that term.

In contrast to whole life insurance, which does accumulate cash value over time and provides lifetime coverage, term life does not build up cash value at all. It is simply a straightforward death benefit product, making it an attractive choice for those looking for temporary coverage at a lower premium.

Whole life insurance, universal life insurance, and variable life insurance all have elements of cash value accumulation. Whole life provides guaranteed cash value growth, universal life allows flexible premiums and death benefits along with cash value, and variable life includes investment options for cash value growth, which is not the case in term life. Thus, term life insurance is the correct answer as it aligns with the condition of providing lifetime coverage without cash value accumulation when viewed in terms of being renewable or convertible to permanent insurance at the end of the term.