Participating life
insurance.

The dividend is a share of the profits of the insurer's participating fund, paid annually to participating policyholders. It is not a guaranteed return - it depends on the insurer's actuarial, financial and operational results. The current iA participating account rate is 6.35%, but this rate can vary from year to year.

Yes. The accumulated cash value can serve as security for a loan from the insurer or a financial institution. This loan is not taxable because it isn't a withdrawal. It's one of the major tax advantages of permanent participating policies.

Participating offers a fixed premium and growth tied to the participating fund's dividends - more predictable and ideal for estate planning. Universal offers more flexibility on premiums and an integrated investment account, but requires more active management. Alexandre helps you choose based on your goals.

The amount depends on your debts, the income to replace and your estate goals. Alexandre analyzes your complete balance sheet and proposes a calibrated amount - not too much, not too little.

It is first and foremost an insurance policy, not an RRSP or a TFSA. But the growth of the cash value through dividends makes it an interesting asset in an overall strategy - especially for estate optimization and long-term savings in a Quebec tax context.

Yes. Taking out a participating policy on a young child's life lets you lock in a very low premium and start accumulating dividends very early. Alexandre can present this planning strategy for your children or grandchildren.

Yes, most policies offer a 10-day free-look period after you receive the contract, during which you can cancel and get a refund. Alexandre confirms the exact terms for your product.

Generally yes, because it includes dividend potential. It's a trade-off: a higher premium in exchange for possible value growth. Alexandre compares both options against your budget.