Participating whole life insurance is a permanent policy that pays dividends into the life insurance policy.
It's a product our clients are enthusiastic about and we're proud to offer a comprehensive and flexible line of products with a generous dividend scale interest rate.
2 products | 3 payment periods | 5 participation options |
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- Accelerated Growth
- Estate Enhancer
| - 10 years
- 20 years
- To age 100
| - Paid-up additions (PUAs)
- Enhanced insurance
- Annual premium reduction
- Cash Payment
- Dividends on deposit
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For full details, visit our
Participating whole life insurance webpage.
Great news! On January 1, 2022, we'll be maintaining our dividend scale interest rate at 5.75%.
The dividend scale interest rate will remain at 5.75% for 2022. It will then be re-evaluated based on various factors including mortality, expenses, taxes paid by the insurer and contract terminations.
Illustrations
When you suggest participating life insurance to your client, you'll have the 2 mandatory scenarios (current at 5.75% and reduced at 4.75%) plus the option of adding an alternative (-2% to +0.5%) to offer them 3 different scenarios.
Keep in mind that dividends aren't guaranteed.
For an in-force illustration request, write to
Expertise_Portefeuille_Backbook@dsf.ca
Participating whole life insurance: the ideal product for clients who want to increase the value of their estate.
Questions?
You can also contact your centre of expertise.
Product Development and Pricing