With participating whole life insurance (par), being sold for more than 170 years, experiencing over that time exposures to financial crisis and extreme market movements, it has continued to maintain a good market presence.

Now more than ever we believe in par and the value it offers. We can still depend on its growing guaranteed cash values coupled with its smooth investment cash value returns to help reduce the effect of short-term volatility.

In addition to life-long insurance protection, par offers guarantees together with with the upside of a long-term investment approach which may be what you are looking for right now. Consider how par policies offer the following advantages to you during uncertain times like these:

Guarantees: Even if interest rates remain at historically low levels, a policy’s guaranteed cash value continues to grow, and the guaranteed death benefit is paid out if premiums are paid.

Dividends: On top of the guaranteed cash values, it offers also a top up dividend cash value coming from it’s long term investments profits, which by law they must give to the policy-owners over 90% of the profits of the par fund investments.

Vesting: Once a par policy distributes or credit a policy-owner dividend to a participating policy, (which happens at the end of each policy year and is confirmed in your annual policy statement,) it is fully vested and can’t be reduced or used for any purpose other than as authorized by the policy-owner. In short Policy-owner dividends, once credited each year, can’t be negatively affected by future adverse experience.

We believe in the value of participating life insurance as the foundation of a long-term financial plan.

Insurance companies have distributed participating policy-owner dividends since 1848, even in difficult economic times.

Insurance companies financial strength, stability and investment strategy for whole life policies, together with their approach of smoothing the returns for the purpose of determining the dividend scale, helps to reduce the volatility in the investment returns, for a steady, long-term growth.