402 - 1245 Esquimalt Road Victoria, B.C. V9A 3P2

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  • A participating policy is an insurance contract that pays dividends to the policy holder.
    • Participating life insurance provides a combination of permanent life insurance (whole life insurance) protection and an opportunity for tax-preferred cash value growth. The base insurance protection is guaranteed for life, as long as you pay the premiums on time.
    • Dividends are generated from the profits of the insurance company that sold the policy and are typically paid out on an annual basis over the life of the policy.
    • Policy holders can either receive their premiums in cash through mail or keep them as a deposit with the insurance company to earn interest or have the payments added to their premiums. Most policies also include a final or terminal payment that is paid out when the contract matures.

    •             Some participating policies may include a guaranteed dividend amount, which is determined at the onset of the policy. A participating policy is also referred to as a “with-profits policy.”


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