Which type of policy continues coverage while allowing premiums to stop?

The correct choice is a life at age 65 policy, as this type of policy is designed to provide coverage up until the insured reaches a specified age, at which point the coverage continues without the need for further premium payments. This means that once the insured reaches age 65, they can secure their life insurance coverage without the financial burden of ongoing premium payments, offering a sense of financial relief during retirement.

Endowment policies are primarily designed to provide a payout either at the end of a specified term or upon the death of the insured before that term ends. They do not typically allow premium payments to stop while maintaining coverage in the same way.

Term policies provide coverage for a specified period, such as 10, 20, or 30 years, but do not allow for premiums to stop during the term without losing coverage. If premiums are not paid, the term policy will typically lapse.

Whole life policies offer lifetime coverage, and while they accumulate cash value over time, they typically require premiums to continue for the life of the policyholder. Some whole life policies might allow the use of accumulated cash value to pay premiums, but they do not inherently provide a stop on premium payments while maintaining coverage at a specific age like the life at age 65 policy