I was going through a website called Paisabazaar.com/life-insurance and came to know that Actually there are add-ons or riders available in Term life as well as whole life insurance wherein one can avail benefits of one on the other insurance. Like If one has purchased term life insurance and want to increase the term or want to avail benefits of whole life insurance can opt for rider providing benefit by giving some extra amount of money and vice-versa for whole life insurance.