Non-Participating

In life insurance, a "Non-Participating" policy is a type of contract where the policyholder does not receive profits or surplus from the insurance company. Distinct features include:

• No Dividends: Policyholders do not receive dividends, unlike in participating policies.
• Indexed Returns: Returns are typically linked to market indices, like the S&P 500, with a guaranteed minimum interest rate.

Benefits:

• Predictable Premiums: Often characterised by stable, consistent premium amounts.
• Stable Death Benefits: Death benefits are more predictable compared to participating policies.

These policies are suited for those seeking potential market-linked growth without the variable nature of dividends.