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Life · Chapter 4 · Whole Life

Whole (Permanent) Life

Definition
Fixed level death benefit + fixed level premium + cash value. Permanent — never needs renewing or converting. Designed to mature/endow at age 100 (cash value = face amount).
Exam tip
If a question just says "whole life," assume straight whole life.
Easy to confuse with

These are what this term gets tested against — if you can't tell them apart cold, drill the contrast.

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Verified against primary sources · 2026-08-10