What does whole life insurance provide coverage until?

Whole life insurance is designed to provide coverage for the entire lifetime of the insured, as long as premiums are paid. This means that the policy remains in effect until the insured passes away, which is typically understood to be until age 100. At that point, the insurer often guarantees a death benefit will be paid to the beneficiaries, which serves as a form of financial protection regardless of the age at which the insured dies, as long as they have maintained their premium payments up to that point.

This design ensures that individuals seeking lifelong coverage can rely on this form of insurance to meet their long-term financial planning needs, including final expenses and legacy planning. Other choices might specify different ages, but whole life insurance is distinctly structured around this age limit as a standard industry practice.