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Whole Life Insurance
Whole life insurance may be participating or non-participating
Not all whole life insurance policies pay dividends from company
surplus. Whole life insurance policies that pay a dividend from the
company surplus are called
participating whole life insurance
policies
and those that do not pay dividends are called
non-participating whole life insurance policies.
Participating whole life insurance
Participating whole life policies usually require a higher premium
for a particular face amount of whole life insurance. The dividends
are not guaranteed, however, over a long period of time.
Participating whole life insurance contracts will develop higher
cash availability in the policy then their non-participating
counterpart. Dividends can also be use to reduce premium payments,
purchase paid-up additional whole life insurance, accumulate at
interest for future use, or be taken in cash.
TermLifeAmerica.com-
Lewis Fink is licensed as an insurance agent
offering Life Insurance in the following states:
Alabama - AL,
Arkansas - AR,
California - CA,
Colorado - CO,
Connecticut - CT,
Delaware - DE, District of Columbia - DC,
Florida - FL,
Georgia - GA,
Idaho - ID,
Illinois - IL,
Indiana - IN,
Iowa - IA,
Kansas - KS,
Kentucky - KY,
Louisiana - LA,
Maine - ME,
Maryland - MD,
Massachusetts - MA,
Michigan - MI,
Mississippi - MS,
Missouri - MO,
Montana - MT,
Nebraska - NE,
New Mexico - NM,
New Jersey - NJ,
New York - NY,
North Carolina - NC,
North Dakota - ND,
Ohio - OH,
Oklahoma - OK,
Pennsylvania - PA,
Rhode Island - RI,
South Carolina - SC,
South Dakota - SD,
Tennessee - TN,
Texas - TX,
Utah - UT,
Vermont - VT,
Virginia - VA, and
Wisconsin - WI.
Not all insurance products from all insurance companies are available in
all states.
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