Participating life insurance

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What is participating life insurance?

Participating life insurance provides a combination of permanent life insurance (whole life insurance) protection and an opportunity for tax-preferred cash value growth. The base insurance protection is guaranteed for life, as long as you pay the premiums on time.

The policy is also eligible to receive dividend payments, which you can use to buy additional coverage or reduce your annual premium. You can also leave them on deposit to earn interest or take them in cash. Dividends are not guaranteed.

 

Get life insurance

Life insurance can be a key part of your financial plan. Speak with an advisor to determine the right life insurance for your needs or get a quote online.labore

Is participating life insurance right for you?

Participating life insurance is an excellent solution if you are:

  • Looking for lifetime protection and significant savings potential
  • Interested in innovative ways to save for retirement or to more effectively make plans for your estate
  • Concerned about the effect of inflation on your death benefit

Types of participating life insurance:

CJ Financial Solution Par Protector II provides permanent life insurance protection combined with long-term cash value and death benefit growth.

CJ Financial Solution Par Accumulator II provides permanent life insurance protection, with a focus on higher cash values over the short term, while still providing long-term cash value and death benefit growth.

CJ Financial Solution Par Accelerator provides permanent life insurance protection that's guaranteed to be fully paid-up in eight years, while providing high cash values over the short term, as well as long-term cash value and death benefit growth.