In an Ordinary Whole Life policy, what age does coverage typically extend until?

In an Ordinary Whole Life policy, coverage typically extends until age 100. This means that as long as premiums are paid, the policy remains in force for the lifetime of the insured, providing a benefit upon the insured's death, regardless of when that occurs up to the age 100 milestone.

The significance of age 100 comes from historical insurance design, where many policies were structured so that the cash value of the policy would equal the death benefit by this age, ensuring the insurer's liability would cease, and providing the policyholder with peace of mind knowing they would have coverage throughout their life.

While some policies may offer options for coverage to age 85, 75, or 65, these are generally not standard for Ordinary Whole Life policies, which are designed with the intention of providing lifelong protection. This contrasts with other types of policies, which may have different age limit structures based on their terms.