Imagine that you are the 70-year-old owner of a whole life insurance policy in the amount of $100,000. You bought the policy at the age of 25, have been making payments on the policy for the last 45 years, and are up-to-date in your payments. The cash value of your policy is approximately $40,000. If you die at this point, how much money will your beneficiary receive?

$40,000

$60,000

$100,000

$140,000

$160,000