Which whole life policy variant requires only one premium payment at policy issue to fund the entire death benefit for the insured's lifetime?

Why this is the answer

Single-premium whole life (SPWL) is the extreme end of the limited-pay spectrum: instead of paying premiums over 20 years or to age 65, the policyholder makes one large lump-sum payment at inception. From that point, the policy is permanently paid up, cash value grows tax-deferred, and the full death benefit remains in force for life. Because the entire premium is paid immediately, SPWL policies have significant cash value from day one and are classified as Modified Endowment Contracts (MECs) under IRC §7702A, which affects how policy loans and withdrawals are taxed. Per the Florida Agent's Health & Life Exam Content Outline §I.A.2.