Participating Whole Life insurance.
Permanent life insurance with an investment component. Lifelong protection for your family, plus the potential to earn dividends year after year.
Protection That keeps growing.
I specialize in participating life insurance for clients who would benefit from and qualify for it. Participating life is a type of underwritten, permanent life insurance.
What sets it apart? As a policyholder, you're part of a participating pool that invests alongside the guaranteed value of your policy, and those investments can earn dividends.
Guaranteed Foundation
Your base coverage comes with guaranteed level premiums, a guaranteed face amount and a guaranteed cash surrender value.
The Participating Pool
Your premiums join a pool that is invested over the long term, alongside the guaranteed value of your policy.
Potential Dividends
Policyholders may receive annual dividends, based on a dividend scale that's reviewed every year.
Premiums can be paid over 10 years, 20 years or until age 100. Source: iA Financial Group.
Four Ways to Use your dividends.
You can change your dividend option at any time, with no medical requirements.
Paid-Up Additions
Buy additional paid-up insurance that grows your coverage and total cash value, with no further premiums.
Lower Premiums
Apply dividends to reduce your next annual premium without affecting the death benefit.
Take It in Cash
Receive dividends as an extra source of cash each year. This option could have tax consequences.
Deposit With Interest
Leave dividends on deposit to earn interest. The interest is taxable each year.
Who It's built for.
- Parents and grandparents building a lasting financial foundation for their family
- Professionals with growing income who want to build long-term wealth tax-efficiently
- Business owners and incorporated professionals who want permanent coverage with access to liquidity
- Anyone planning their estate who wants to limit the tax impact and make wealth transfer easier
Annual dividends and your policy's cash value can also give you access to cash through partial withdrawals or policy loans. Certain conditions apply.
Source: iA Financial Group. Participating life isn't right for everyone. Together, we'll look at whether it fits your goals and whether you qualify.
Let's See If Participating Life Fits.
Book a short, no-pressure discovery call and we'll look at whether participating whole life makes sense for your goals.
Book a free discovery call