What happens to a whole life insurance policy at age 100?

5 Aug 2026 · 1 min

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This content was created by Jayson Lowe. This content was uploaded by Jayson Lowe. This is a YouTube video titled "What happens to a whole life insurance policy at age 100?" (uploaded 2026-08-05) featuring Jayson Lowe delivering an informational/explanatory segment about whole life insurance policy behavior at advanced ages. He explains that in Canada policies typically mature at age 100 (age 121 in the U.S. for some carriers), describes options at maturity (leave the policy in force, receive a check, or begin income), notes carrier-dependent differences and specifically references Equitable, and closes with a promotional call-to-action directing viewers to learnwithjay.com. The excerpt is a single-speaker explanatory piece addressing a viewer named Dan and the general audience.

Chapters

Well, when you achieve age 100, if you're the life insured, so the policy, if the policy was the inception of that was in Canada, then by age 100, the total cash value, total death benefit must be the same, which they would be. The insurance company provides you with a couple of options. Do you just want to leave the policy in force? If it's left in force, then the total cash value, total death benefit would grow in tandem. Dividends would still continue to be declared. With certain carriers, you would have to start taking a monthly income. So it depends on what carrier it's with. If you're in the United States, that age is 121. But the policy is technically— I don't want to say this for every carrier. Some carriers, the policy is fully endowed, it's fully performed. Other carriers, it's not. I couldn't give you a general answer, Dan. We would need to know the carrier. All right. So with Equitable, because I know this guy, that's the policies he owns. Yeah. Currently with Equitable, you're going to have that option. Do you want the check or do you want to keep the policy in force? Take your pick. Want to find out more about how you can become your own banker? Click the link below or head over to learnwithjay.com. That's learnwithjay.com.