Final answer:
A cash-value (whole) life insurance policy would offer a 40-year-old the quickest accumulation of cash value.
Step-by-step explanation:
The type of policy that would offer a 40-year-old the quickest accumulation of cash value is a cash-value (whole) life insurance policy.
With a cash-value life insurance policy, the individual is not only covered with a death benefit, but the policy also has a cash value that accumulates over time. This accumulated amount can serve as an account that the policyholder can use.