Participating whole life insurance
Participating whole life insurance is permanent coverage that pays dividends, which can cash sums that enhance the life insurance policy. Your clients can choose to use their dividends to increase coverage, reduce the annual premium, leave them on deposit on the policy or receive a cash payment, depending on product options.
Currently, our dividend scale interest rate is 6.3%.
Additional Deposit Option (ADO): A flexible, tax-efficient solution that works for you and your clients
See the information and tools available
Our range of products
Flexible solutions that offer different payment options—to maximize the value of your clients’ assets and provide cash surrender values during their lifetime.
Estate Enhancer
- Estate Enhancer 10 Pay
Premiums paid up after the 10th year - Estate Enhancer 20 Pay
Premiums paid up after the 20th year - Estate Enhancer to 100
Premiums are payable for life
Accelerated Growth
- Accelerated Growth 10 Pay
Premiums paid up after the 10th year - Accelerated Growth 20 Pay
Premiums paid up after the 20th year - Accelerated Growth to 100
Premiums are payable for life