What is the guaranteed cash surrender value of a single premium whole life policy when the insured reaches age 100?

In a single premium whole life policy, the guaranteed cash surrender value at age 100 is structured to equal the face amount of the policy. This design is a fundamental characteristic of whole life insurance, which provides lifelong coverage. As the insured approaches age 100, the policy matures, and the cash surrender value becomes guaranteed at the face amount, meaning that the policyholder can access the equivalent of the policy's death benefit in cash if they choose to surrender it.

This guarantees that even if the policyholder decides to opt for the cash surrender value rather than the death benefit, they will receive an amount that reflects the full value of the insurance coverage they originally purchased. The other options focus on different values that do not adhere to the specific structure of whole life policies, emphasizing the importance of understanding how the cash surrender value relates to the policy's face amount as the insured ages.