What is Participating Whole Life?

A permanent life insurance that provides lifetime coverage, guaranteed cash value growth, and the potential to earn dividends from the insurance company.

Key Highlights

Lifelong Protection

Provides a contractually guaranteed death benefit for the life of the insured.

Guaranteed Cash Value

Includes cash value that grows according to the policy's guaranteed schedule.

Potential Dividends

Eligible to receive dividends, which may increase cash value and death benefit

Dividends are not guaranteed.

How the Cash Value Builds Over Time

You Pay Premiums

A portion goes toward insurance, and a portion builds cash value.

Cash Value Grows

It grows every year with guaranteed interest and potential dividends.

You Can Access It

Through policy loans for opportunities, emergencies, or retirement income.

Reasons It's Used in Retirement Planning

•Can provide a guaranteed portion of long-term assets.

•Builds tax-advantaged cash value over time.

•May provide supplemental retirement income through policy loans or withdrawals.

•Not directly exposed to stock market losses.

•Can Provide liquidity for opportunities or emergencies.

•Leaves a generally income tax-free death benefit to the beneficiaries.

For many families, participating whole life becomes a financial foundation designed to provide stability, liquidity, and long-term confidence.

Take the Retirement Readiness Quiz Schedule a Strategy Session

Policy guarantees are based on the claims-paying ability of the issuing insurance carrier. Loans and withdrawals will reduce the policy’s cash value and death benefit and may have tax consequences. If the policy lapses or is surrendered with an outstanding loan balance, it may result in a taxable event. Clients should consult their tax advisor or legal professional regarding their specific situation.