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Participating Life Insurance (iA PAR)

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Participating life insurance provides permanent coverage with the potential for annual dividends and guaranteed cash values. It is designed for clients seeking stability, tax-advantaged growth, and long-term estate planning solutions.

Participating life insurance provides permanent coverage with the potential for annual dividends and guaranteed cash values. It is designed for clients seeking stability, tax-advantaged growth, and long-term estate planning solutions.

Participating Life Insurance (iA PAR)

Participating Life Insurance is permanent coverage designed to do more than protect—it builds, grows, and preserves wealth over time.

With iA PAR, your policy participates in the insurer’s financial performance through annual dividends, helping grow both your death benefit and cash value—all within a tax-advantaged structure. It’s protection with a long memory and money with manners.

At its core, iA PAR delivers three things families value most:
strength, discipline, and stability.

Why iA PAR Works

  • Lifetime protection with guaranteed premiums

  • Tax-advantaged growth through participating dividends

  • Growing cash value you can access when life demands liquidity

  • Estate efficiency, helping more wealth reach the people who matter

  • Flexibility, without sacrificing long-term certainty

This isn’t about chasing returns. It’s about building certainty that compounds.

Get a Quote / Illustration

Let’s design the right version for your family or business.

 

Two Smart Versions. One Proven Strategy.

  • Built for families focused on legacy and long-term planning.

    • Maximizes long-term growth of the death benefit and surrender value

    • Ideal for estate planning, wealth transfer, and legacy goals

    • Designed to leave more, tax-efficiently, with confidence

    Best for:
    Affluent families, business owners, parents or grandparents planning beyond their lifetime.

  • Designed for those who value earlier access and flexibility, without giving up growth.

    • Higher cash surrender value earlier in the policy years

    • Long-term growth remains a priority

    • Supports business planning, investment opportunities, and balance-sheet strength

    Best for:
    Incorporated professionals and business owners who want liquidity and protection.

If term insurance is a safety net, iA PAR is the foundation—quietly doing its job year after year, through market cycles and life changes.

No hype. No shortcuts. Just disciplined growth, protected wealth, and a plan that outlives uncertainty.

 
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No obligation. Confidential review.

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