Whole Life insurance policies are contractually guaranteed to provide all the following EXCEPT:

Whole Life insurance policies are designed to offer lifelong coverage, which means they are guaranteed to remain in effect as long as premiums are paid. Additionally, these policies typically have a cash value component that grows over time, allowing policyholders to take loans against this cash value. Fixed dividends are often paid to policyholders based on the insurer's performance, although the amount and availability can vary depending on the company's financial success.

Partial withdrawal features, however, are not guaranteed in whole life insurance policies. Typically, whole life policies allow for loans against the cash value, but they do not always offer a straightforward method for making partial withdrawals without incurring some charges or penalties, particularly in the early years of the policy. Therefore, this aspect of partial withdrawals beyond a surrender charge period is not a contractual guarantee of whole life insurance, making it the correct answer.