What is
Participating Cash Value Insurance
Participating cash value life insurance is a permanent life insurance policy that not only guarantees a tax-free death benefit but also builds cash value over time. What makes it “participating” is your eligibility to receive annual dividends from the insurer’s profits.
These dividends can be reinvested to grow your policy, reduce premiums, or be accessed when needed.
It’s one of the most stable, long-term financial tools for both protection and accumulation.
What it Covers?
Lifelong insurance coverage (as long as premiums are paid)
Guaranteed cash value that grows annually
Potential dividends, depending on the insurer’s performance
Optional riders for disability waiver, child protection, or critical illness
Policy loans or withdrawals from your cash value while you’re alive
How Much Coverage Do You Need?
Coverage typically starts around $25,000, but most individuals choose amounts between $100,000 to $1,000,000+, depending on:
Family protection goals
Tax planning and estate needs
Business or collateral uses
Long-term wealth accumulation strategyLong-term wealth accumulation strategy