What is Participating Life Insurance?

Participating life insurance is a form of permanent life insurance that includes essential coverage with fully guaranteed premiums, cash surrender values, and death benefits. Additionally, policyholders may receive dividends each year.

Based on personal preference, dividends can be allocated to one of four dividend options: Paid-up additions (PUA), Annual premium reduction, Payable in cash, or Deposit with interest. It is possible to change the dividend option at any time based on evolving needs.