Final answer:
The primary beneficiary would receive $100,000, which is the face value of Jack's whole life policy. The term life insurance rider expires upon Jack's retirement at 65, so it would not provide any additional benefit after his retirement.
Step-by-step explanation:
The question pertains to a whole life insurance policy with an added term life insurance rider for Jack. According to the given information, Jack has a $100,000 whole life policy along with a term life rider that provides an additional $50,000 of coverage until he retires at age 65. If Jack dies sixteen years after his retirement, the term life rider would no longer apply as it only provides coverage until his retirement.
Since Jack is covered by a whole life policy which does not expire, upon Jack's death after retirement, the insurer will pay out the base amount of the whole life policy, which is $100,000. This means that the primary beneficiary would receive $100,000, the face value of the whole life policy, and not the additional term rider amount since it would have expired by the time Jack is 65.