why choose participating over non participating life insurance 
a participating policy also called a with profit policy enables a policyholder to share in the insurance company s profits in the form of a dividend the dividend can be used to pay the insurance premium it can be left with the policy to generate interest like in a regular savings account or the policyholder can take a cash payment like you can from a dividend stock in non participating policies the profits aren t shared and no dividends are paid to the policyholders 