If you're still living at the end of your term life insurance then you do get your money back.
With term life insurance you get all your money back without interest at the end of your term life insurance policy.
With regular life insurance you do not get any money back when the life insurance policy term ends and if you want to have life insurance past that date then you have to get a new life insurance policy.
Some life insurance companies will not sell you a life insurance policy if you're above a certain age such as 80 or above.
The good thing with term life insurance is that if you're still living at the end of the term life insurance policy then all your money will be returned to you.
You can then use part of that money to pay for your own funeral expenses ahead of time and or use the money for something else.