What happens to a life insurance policy after age 85 depends entirely on the specific contract structure you purchased. Term life insurance policies typically expire or become prohibitively expensive to renew once you pass specific age thresholds, such as age 80 or 85. Conversely, permanent whole life or universal life insurance policies remain active for your entire life as long as required premiums are paid, allowing the policy to mature and disburse the guaranteed death benefit whenever the insured passes away.
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