What does it indicate if a life insurance policy is described as "in force"?

When a life insurance policy is described as "in force," it signifies that the policy is active and that coverage is currently being provided. This means that all necessary premiums have been paid, and the policyholder is entitled to the benefits specified in the contract. An in-force policy offers protection against risks, such as death, and ensures that beneficiaries will receive the agreed-upon payout in the event of a claim.

The other choices do not describe the status or functionality of an in-force policy. Expiration due to non-payment means the policy is no longer valid, a description of a policy not yet issued refers to the stage before coverage starts, and reaching retirement age does not necessarily affect the enforcement status of the policy. Therefore, the description of being "in force" clearly communicates the active and operational state of the life insurance policy.