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Participating vs Non-Participating Life Insurance Policies

A Participating policy and a Non-participating policy are very different from each other. As a policy holder, you must be clear on the differences to make an informed decision that suits your future financial needs.

Participating policy, also known as a with-profit policy, enables you to benefit from the investment profits of the insurance company. These profits are shared with you in the form of bonuses. Participating policies offer a guaranteed return in the form of the sum assured, which is fixed at the time of inception, and a non-guaranteed return, in the form of bonuses, that offers you the potential to get higher returns.

In Non participating policies, the profits are not shared and no bonuses will be given to you, however all benefits are guaranteed. They are also called without-profit policy. In Non participating endowment polices, your benefits/returns are fixed at the time of issuance of the policy.

To seek a detailed understanding of Participating and Non Participating Plans, please click here A dedicated financial advisor will get in touch with you soon after.


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