What this insurance includes
Participating life insurance is a permanent protection product backed by the insurer's participating account. Dividends may be paid each year; they are not guaranteed.
Permanent protection
Basic death benefit set out in the contract, for life, as long as the policy is in force - your beneficiaries receive it no matter the age at death.
Participating account
The iA PAR dividend scale interest rate is 6.35% for 2026. It is not the return on your policy: it is used to calculate dividends, which are not guaranteed and can vary each year.
Growing cash value
The policy builds a cash value that can be used for a policy loan or as security for a loan, under the contract's terms. Any unpaid balance reduces the amount paid on death.
Estate planning
With a designated beneficiary, the capital is generally paid directly, outside the estate: it does not wait for the estate to be settled and stays confidential.
Your personalized estimate,
without leaving home.
Alexandre reviews your situation and calls you back with a personalized recommendation. Free, no obligation.
The analysis is free. If you sign up, Alexandre is paid a commission by the insurer or product provider.
A policy that works
for you, not just
for your beneficiaries.
Participating insurance combines permanent protection and a cash value that can grow with dividends. The participating account is managed and smoothed by the insurer: dividends track the markets less directly than a stock investment, but they still depend on them in part.
Dividends are not guaranteed. They depend on the results of the insurer's participating account (investments, mortality, expenses) and can go up or down.
The right amount is calculated from your debts, the income to replace and your estate goals. Alexandre does it with you, not with a generic chart.
Who is it useful for?
The Alexandre advantage
Participating is a complex product. Alexandre explains how dividends work, how to choose your options and how to integrate it into your estate planning.
Term vs Permanent vs Participating
Term | Simple permanent | Participating RECOMMENDED | |
|---|---|---|---|
| Protection duration | 10, 20 or 30 years | Lifetime | Lifetime |
| Dividends (not guaranteed) | |||
| Cash value | Limited | Growing | |
| Estate planning | Limited | Yes | Yes, with cash value |
| Fixed premium for life | |||
| Growth tied to dividends | |||
| Choose this option |
How is the premium
calculated?
Several factors influence your participating premium. Alexandre helps you choose a solution suited to your situation.
Get my estimateHow does the payout work?
The main steps for your beneficiaries.
Notify the insurer of the death with an official death certificate.
As soon as possibleClaim form, beneficiary designation, original policy.
Alexandre guides youThe insurer verifies the designation and calculates the capital and any accumulated dividends.
Timeline varies by insurerCapital, generally tax-free, paid directly to the designated beneficiaries.
Outside the estateRelated products
Frequently asked questions
What clients say
“Excellent service from start to finish. Alexandre is very professional, attentive, and takes the time to explain the different options without putting any pressure on me. I felt well-advised and confident throughout the entire process. I highly recommend AG Financial Services.”“Alexandre helped me with my financial situation. He showed me the steps to take and how to structure my plan effectively. I highly recommend him!”“I met Alex by chance. When he told me he was a financial security advisor, I made an appointment with him and he explained the different ways I could invest my money.”Reviews posted by clients on the Services Financiers AG Google listing, in French; the English text is Google's automatic translation. Every situation is different: a review does not predict the outcome of yours.