Participating life insurance is life insurance first. Some people use it as part of a long-term financial plan, because it builds cash value and may earn dividends. Whether it fits depends on your goals, your time horizon and the policy, and it’s best weighed against other options with advice.
Is participating life insurance a good investment?
Reviewed by Garrett Agencies Ltd., October 2026. How we write
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More about participating life insurance
Permanent life insurance that can earn dividends, which you can use to add coverage, build cash value or lower your premiums.
More questions about participating life insurance
- What is participating life insurance?
- How are dividends from participating life insurance determined?
- Can I access the cash value in my participating life insurance policy?
- What happens to my participating life insurance dividends if I don’t use them?
- How do universal life insurance and participating life insurance differ?
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No obligation. We’ll tell you plainly what we think, including when you already have what you need.