David RacichPRO
    Fountain Hills, Arizona
    Participating whole life insurance is the most cryptic contract in the insurance and financial product inventory. It is difficult to disassemble into distinguishable parts. That being said, a base policy in participating whole life insurance is a guaranteed premium for a guaranteed death benefit for the maturity of the contract, generally between age 100 and 121. The dominate portfolio of many participating whole life insurance company is investment grade government bonds. Those portfolio returns coupled with a return of unused premium form the basis of a dividend.
    Answered on July 25, 2013
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