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No Load life insurance is a policy that is not commission based, the premiums for the first year are usualy significantly lower than most other policies. Since some of the money you are paying is not being diverted to cover the commission of a sales person the available money in your policy accumulates quicker. This gives you a shorter time before your policy has a cash value that you can access. This also leads to an earlier surrender value as well.
Term life insurance is a life insurance policy that is only in affect for a specified period of time. The time that the policy is in affect for is the "term". The primary advantage to term insurance is that you can get higher coverage for a significantly lower premium. The primary disadvantage is that there is no cash value in a term policy. After the contract is up the policy has no value or pay out.