What is the type of term insurance that starts at zero value and increases over time?

The type of term insurance that starts at a zero value and increases over time is increasing term insurance. This particular insurance policy begins with a death benefit that is initially set at a lower amount, and as time progresses, this benefit incrementally increases. The main purpose of increasing term insurance is to keep up with inflation or to accommodate the increasing financial needs of the insured or their beneficiaries over the duration of the policy.

While level term insurance maintains a constant death benefit throughout the entire term, and decreasing term insurance features a benefit that declines over time, increasing term insurance specifically adjusts upward. Credit life insurance typically covers a borrower's debt and is often designed with different terms and conditions that do not emphasize increasing value over time.