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Life Insurance Learning Center - Policy Features

Life Insurance Dividends, Part 2.

Remember that dividends aren't guaranteed methods of payment. They can go up or down depending on the company and the factors that go into paying the dividends. Also, there is no estimation of dividends. Life insurance companies will simply provide you with an illustration of what the dividends are expected to be if no changes in the surrounding contributing factors are made.

Historical dividends, or a dividend history, are the dividends paid by the company in past years.

A policy that pays dividends is considered a participating policy, however there are a lot of cash-value policies issued that are designated as non-participating when they simply state that a company has the ability to change the premiums. Also, some of these non-participating policies credit interest to the cash value in an unspecified amount. These are participating policies as the interest can be considered dividends. Keep in mind whether policies are participating or non-participating when researching different life insurance policies.

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