Dividend scales are illustrations, not promises
In a participating whole life contract, dividend payments depend on the insurer and product terms. Non-guaranteed illustrations are not assured returns.
What can change
Participating performance reflects several factors, such as investment experience, claims and expenses. Specific product illustrations may apply a current dividend scale to future years; those values should be separated from contractual guarantees.
Dividend options matter
Dividends may be taken in cash, used toward premiums or used to acquire paid-up additions, depending on contract options. The choice can materially affect projected death benefit and cash value.
A useful comparison checklist
Compare the actual guaranteed cash values, underlying assumptions, required premium schedule, dividend choice and the insurer publication date. An identical payment amount does not prove two contracts are economically equivalent.
Source
Use the actual contract and official insurer illustration. For general regulatory context visit FSRA.
Independent educational software prototype. Not affiliated with an insurer or regulator. No individual advice, official quotes, coverage, underwriting or transactions are provided. Information reviewed for prototype on 11 Nov 2026.