Clearly, you are confused about types of life insurance. ‘Whole life’ ALWAYS pays off – to somebody. That’s why it’s called whole – it lasts for your WHOLE life. It’s ‘term’ that’s unlikely to pay out. as typically, the insured person outlives the term (period) of the policy!
You obviously don’t know the difference between “term” and “whole” life insurance. ‘Whole’ ALWAYS pays; ’Term" (temporary) seldom does.