When Does A Life Insurance Policy Endow? 
A life insurance policy endows when the guaranteed cash value equals the initial face amount . The typical policy may endow at age 100 or for policies using the latest mortality table , they may endow at age 121 . Bear in mind that a life insurance policy 's premium schedule may differ from the endowment year . In other words , a policy may have a premium paying period of 10 or 20 years or age 65 yet the endowment will still be later . 