At what age must the insured attain in order to receive the face amount of a whole life policy?

In a whole life insurance policy, the contract guarantees that the face amount will be paid out upon the death of the insured, provided that the policy is in force at that time. However, whole life policies also include a feature known as "endowment." This feature means that the insurance company will pay the face amount of the policy to the policyholder if they live to a certain age, often referred to as the endowment age.

In many whole life policies, this endowment age is set at 100 years. This is when the policy essentially "matures," and the face amount becomes payable to the insured if they are still alive. At this point, some policies also allow the policyholder to receive the cash value of the policy or convert it into an annuity, providing another form of benefit to the insured. Thus, attaining the age of 100 is the key milestone for receiving the face amount under these policies.

In this context, the other age options do not align with standard whole life insurance policy terms or features. They either precede the typical endowment age or exceed realistic life expectancy ranges for the payment of such benefits. Therefore, the age of 100 is the correct choice when it comes to receiving the face amount