Participating life insurance | Dividend scale interest rate maintained at 5.75% in 2022

Product Development and Pricing November 25, 2021

Participating whole life insurance is a permanent policy that pays dividends into the life insurance policy.

It's a product our clients are enthusiastic about and we're proud to offer a comprehensive and flexible line of products with a generous dividend scale interest rate.

2 products3 payment periods5 participation options
  • Accelerated Growth
  • Estate Enhancer
  • 10 years
  • 20 years
  • To age 100
  • Paid-up additions (PUAs)
  • Enhanced insurance
  • Annual premium reduction
  • Cash Payment
  • Dividends on deposit

For full details, visit our Participating whole life insurance webpage.

Great news! On January 1, 2022, we'll be maintaining our dividend scale interest rate at 5.75%.

The dividend scale interest rate will remain at 5.75% for 2022. It will then be re-evaluated based on various factors including mortality, expenses, taxes paid by the insurer and contract terminations.


When you suggest participating life insurance to your client, you'll have the 2 mandatory scenarios (current at 5.75% and reduced at 4.75%) plus the option of adding an alternative (-2% to +0.5%) to offer them 3 different scenarios.

Keep in mind that dividends aren't guaranteed.

For an in-force illustration request, write to

Participating whole life insurance: the ideal product for clients who want to increase the value of their estate.

Product Development and Pricing