Participating life insurance | Dividend scale interest rate staying at 6.3%
On July 1, 2026, the dividend scale interest rate for the current product line will remain unchanged at 6.3%, which reflects the long-term performance of our participating account.
On July 1, 2026, the dividend scale interest rate for the current product line will remain unchanged at 6.3%, which reflects the long-term performance of our participating account. The interest rate for policies acquired from State Farm Insurance will also remain unchanged at 6%.
Advantages for your clients
A stable and competitive dividend scale interest rate
Careful management that reflects the long-term performance of the participating account
Protection of your clients’ long-term financial goals
Keep in mind that dividends are never guaranteed, but dividends that have been granted are vested to the policyowner.
Policies issued or acquired before 2017
For policies issued or acquired before 2017, including Protector products, the dividend scale interest rate will increase from 6.3% to 6.5%. This increase reflects the maturity of this group of products and the considerable value that has built up over the years, which generates higher returns.
New illustrations for Protector products will be available in Client Documents on June 15. To request illustrations for other products, email Expertise_Portefeuille_Backbook@dsf.ca.
Useful resources
Our wide range of participating life insurance products has been designed to support families, high-net-worth individuals and business owners at every stage of their financial journey.
Advantages
Additional Deposit Option (ADO)
A flexible solution to help your clients maximize the growth of their assets.
5 Pay PAR
The only product of its kind on the Canadian market.
A safe investment, now and in the future
Potential for growing the policy’s value over time.
Deliberate flexibility to make financial planning easier
Multiple dividend and premium payment options.
Questions?
For full details about participating whole life insurance, visit the Participating whole life insurance page or contact our Business Development Team – Insurance.