Which non-forfeiture option typically provides coverage for the longest period of time?

The reduced paid-up non-forfeiture option is typically the one that provides coverage for the longest period of time because it allows the policyholder to convert their existing whole life insurance policy into a paid-up insurance policy with a reduced face value. This means the policyholder does not have to pay further premiums, yet still retains some level of coverage indefinitely.

In contrast, while the extended term option provides coverage for a specific term and is typically for a shorter duration, the reduced paid-up option essentially preserves the value of the policy, albeit at a lower face amount, allowing coverage to continue as long as the policyholder is alive.

The paid-up option is similar but is generally less relevant as it refers to the policy being fully paid and no longer needing premiums, lacking the context of a non-forfeiture situation. The accumulated at interest option just means that the cash value accumulates interest but does not provide insurance coverage. Therefore, the reduced paid-up option effectively balances the needs of retaining coverage and not requiring further premium payments, extending the duration of protection for the policyholder.