Which life insurance policy provides the longest protection?

The policy that provides the longest protection is the ordinary life insurance policy. Ordinary life insurance, also known as whole life insurance, is designed to provide coverage for the entire lifetime of the insured, as long as the premiums are paid. This means that the policy does not expire after a set term; instead, it remains in force until the insured passes away, at which point the death benefit is paid to the beneficiaries.

In contrast, a 20-year endowment and a 20-year term in policies provide protection only for a specified duration of 20 years. If the policyholder dies before this term ends, the beneficiaries receive the death benefit. However, if they outlive the term, the coverage ceases, and no benefits are paid. The endowment at 65 option provides coverage until the insured reaches age 65, after which the policy either matures or ceases depending on the terms of the specific contract.

Since ordinary life insurance continues indefinitely, it is the clear choice for providing the longest period of protection when compared with the other listed policies.