Whole life insurance policies typically become paid up when the policyholder has paid enough premiums to cover the policy's face value, and the policy is considered fully funded. At this point, the policy no longer requires additional premium payments to keep the coverage in force. The cash value of the policy continues to grow, and the policy remains in effect until the insured's death, at which point the death benefit is paid out to the beneficiaries. It's important to note that the specific terms and conditions for when a whole life insurance policy becomes paid up can vary between insurance providers and policy contracts. Some policies may have specific requirements or conditions that need to be met before the policy is considered paid up. It's advisable to review the policy contract or consult with the insurance provider for detailed information about the paid-up status of a whole life insurance policy.