{"id":14084,"date":"2024-02-20T19:31:34","date_gmt":"2024-02-20T19:31:34","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/?p=14084&#038;preview=true&#038;preview_id=14084"},"modified":"2025-08-27T14:09:25","modified_gmt":"2025-08-27T18:09:25","slug":"dividend-scale-and-participating-whole-life-insurance","status":"publish","type":"post","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/dividend-scale-and-participating-whole-life-insurance","title":{"rendered":"Dividend Scale and Participating Whole Life Insurance"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Dividend Scale and Participating Whole Life Insurance<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2024-02-20T19:31:34-05:00\">February 20, 2024<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">6 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"RBC Insurance\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">RBC Insurance<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/02\/Article-DSIR-v.2-1.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Mid-adult hiker couple resting after walking\" style=\"object-fit:cover;\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/02\/Article-DSIR-v.2-1.jpg 2120w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/02\/Article-DSIR-v.2-1.jpg?resize=300,200 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/02\/Article-DSIR-v.2-1.jpg?resize=768,512 768w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/02\/Article-DSIR-v.2-1.jpg?resize=1024,683 1024w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/02\/Article-DSIR-v.2-1.jpg?resize=1536,1024 1536w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/02\/Article-DSIR-v.2-1.jpg?resize=2048,1366 2048w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/02\/Article-DSIR-v.2-1.jpg?resize=412,275 412w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Dividend Scale and Participating Whole Life Insurance &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/dividend-scale-and-participating-whole-life-insurance\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope 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aria-expanded=\"false\"><span class=\"selectDropdown__title\">How do dividends work with participating whole life insurance?<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-how-do-dividends-work-with-participating-whole-life-insurance\">How do dividends work with participating whole life insurance?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-makes-up-the-participating-account\">What makes up the participating account?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-is-a-dividend-scale\">What is a dividend scale?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-is-a-dividend-scale-interest-rate\">What is a dividend scale interest rate?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-is-the-smoothing-technique-applied-to-the-dividend-scale\">What is the smoothing technique applied to the dividend scale?<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>If you\u2019re early in your research on the different <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/types-of-life-insurance\/\">types of life insurance<\/a>, getting a grasp on the basic concepts of participating whole life insurance is a good place to start. From premiums to the dividend scale interest rate, here\u2019s a primer on policy basics, components, and how growth potential is calculated.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-key-takeaways\">Key takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/whole-life-insurance\/\" data-dig-id=\"LP-LifeInsurance-14084-09ef93b9\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Participating whole life insurance\" class=\"rbc-link-format\">Participating whole life insurance<\/a> policies pool your premiums, along with those from other policyholders, into a participating account professionally managed by the investment team with an insurance provider.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default default default default default default default default default default default default default default default default default default default default default default default default default default\">A number of factors determine if the participating account experiences gains or losses, including operating costs, taxes, how well the investment portion of the fund performs, and more.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Dividends may be paid out on a policy\u2019s anniversary, but aren\u2019t guaranteed.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>The dividend scale is the <em>formula<\/em> your insurance provider uses to calculate your yearly dividend payments unique to your policy.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>The dividend scale interest rate is the <em>interest rate<\/em> used by your insurance provider to calculate the investment component of the dividend. It is not the growth rate applied to your policy.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-do-dividends-work-with-participating-whole-life-insurance\">How do dividends work with participating whole life insurance?<\/h2>\n\n\n\n<p>Any growth from a participating whole life insurance policy comes in the form of dividends, which are calculated using a formula known as the <em>dividend scale<\/em>. Before we get into how dividends work, here\u2019s what you need to know about how the policy functions.<\/p>\n\n\n\n<p>Participating whole life insurance pools money from policyholders (that\u2019s potentially you) into a <em>participating account<\/em>. Those funds are professionally managed by an investment team at the insurance company with the goal of growing the investment, so the dividends can be paid out. You can use the dividends you earn in several different ways, including: <\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Toward the payment of your premiums<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default default default default default default default default default default default default default default default default default default default default default default default default default default\">To purchase more <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/\" target=\"_blank\" data-dig-id=\"LP-LifeInsurance-14084-cc09f507\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"life insurance\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">life insurance<\/a><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Having them paid out directly to you each year (you may be taxed on any cash you take out from your policy)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Having them held on deposit earning interest (you may be taxed on any cash you take out from your policy)<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Dividends are paid out annually on your policy\u2019s anniversary date, and they\u2019re shared fairly and equitably with all policyholders using a formula called the \u201cdividend scale.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-makes-up-the-participating-account\">What makes up the participating account?<\/h2>\n\n\n\n<p>There are several factors that contribute to whether a participating account will experience a surplus of funds. They can include the following.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Investment returns:<\/strong> How well the invested funds perform<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default default default default default default default default default default default default default default default default default default default default default default default default default default default\"><strong>Expenses:<\/strong> What it costs to manage the account<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Mortality (or death rate):<\/strong> The amount of claims that were made that year<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Other factors:<\/strong> Including, but not limited to, the number of policyholders who cancelled their policy, surrendered coverage, or took out loans against their policy, and taxes<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>If the participating account performs differently than expected, and excess earnings or profits are generated, they\u2019re kept within the account and eventually distributed fairly to policyholders through a change in the dividend scale. The opposite could also be true, and the account may experience unexpected losses that get passed back to policyholders. To help balance the gains against the losses, insurance companies use something called the \u201csmoothing technique\u201d to help reduce volatility over time, but more on that later.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-dividend-scale\">What is a dividend scale?<\/h2>\n\n\n\n<p>A dividend scale is the formula or method your insurance company uses to calculate annual dividend payouts. It\u2019s reviewed each year by the insurance company and takes into consideration factors such as the death rate among the policyholders, the expenses required to manage the account, and the fund\u2019s investment performance.<\/p>\n\n\n\n<p>Not all dividend payouts are the same. The calculation used to determine payouts is unique to each policyholder, based on things such as age, policy size and type, premiums paid to date, and premium payment options. Dividends are paid out fairly and equitably, based on those factors.<\/p>\n\n\n\n<p>It\u2019s also important to note that dividends are not guaranteed by your policy, and the amount of dividends that are paid out will change annually. But once paid out, those dividends belong to the policyholder and cannot be taken back by the insurance company.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-dividend-scale-interest-rate\">What is a dividend scale interest rate?<\/h2>\n\n\n\n<p>The dividend scale interest rate (or DSIR) is a large part of the formula that contributes to the amount of dividends paid out to policyholders. The DSIR is applied when calculating the investment component of the dividend scale, but it\u2019s not the growth rate applied to your policy. It can be potentially higher, or lower, than the investment returns on the participating account.<\/p>\n\n\n\n<p>Factors beyond investment returns, including the participating account\u2019s earnings and future expected returns, are also considered.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-often-does-the-dsir-change\"><a><\/a>How often does the DSIR change?<\/h3>\n\n\n\n<p>Each year, insurance companies will approve maintaining or updating the dividend scale and the dividend scale interest rate. The dividend scale interest rate can go up or down, according to market factors such as inflation and fluctuating interest rates. Other parts of the dividend scale may also fluctuate, based on changes in the insurance company\u2019s experiences, or other factors such as inflation.<\/p>\n\n\n\n<p>Policyholders are directed by the insurance company, usually in their anniversary statement, on where to learn about policyholder disclosures.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-smoothing-technique-applied-to-the-dividend-scale\">What is the smoothing technique applied to the dividend scale?<\/h2>\n\n\n\n<p>Despite potential changes in the dividend scale, participating whole life insurance policies may offer consistent returns year over year (though, it\u2019s important to note that dividends are not guaranteed). That\u2019s because a smoothing technique is applied to help minimize the short-term impact of market fluctuations. It\u2019s when changes in the investment gains or losses that are passed back to policyholders are spread over several years. This helps to manage investment risk and minimizes the effect of market volatility for policyholders.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-should-i-choose-a-life-insurance-company-based-on-its-dsir\"><a><\/a>Should I choose a life insurance company based on its DSIR?<\/h2>\n\n\n\n<p>Because the DSIR is only one component, choosing a policy based primarily on this factor won\u2019t provide you with a complete picture of the ways in which your life insurance policy will serve your needs. The DSIR is important, but it\u2019s only a single component among many used to determine your dividends.<\/p>\n\n\n\n<p>Talk with your insurance advisor before deciding on a policy, so you know you\u2019re making the right choice for you and your family. Be sure to ask your advisor about an insurance company\u2019s:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Investment strategy and plan for stable, long-term growth<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default default default default default default default default default default default default default default default default default default default default default default default default default default\">Experience and diverse areas of expertise in managing the participating account<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Long-term commitment to the participating account as the DSIR changes over time<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Interested in learning more about participating whole life insurance and if it\u2019s right for you? Contact an <a href=\"https:\/\/services.rbcinsurance.com\/StoreAdvisorLocator\/\" target=\"_blank\" data-dig-id=\"LP-LifeInsurance-14084-3c15368d\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"RBC Insurance Advisor\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">RBC Insurance Advisor<\/a> to understand how life insurance can offer you future growth and protection.<\/p>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-life-insurance\">RBC Life Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-reg-font-size\">Protect Your Loved Ones With Dependable Life Insurance.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn is-style-primary primary\"><a class=\"wp-block-button__link has-text-lg-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html\" rel=\"noreferrer noopener\" data-dig-id=\"LP-283-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/silver.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center mar-t-hlf mob-mar-t-hlf pad-b mob-pad-b has-text-reg-font-size\"><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/\" data-dig-id=\"LP-273-18de2c2e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n\n\n\t<style type=\"text\/css\">\n\t\t.wp-block-tk-spacer.id-355ef1b9-29f9-4c85-bbe7-67166320e965 {\n\t\theight: 30px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-355ef1b9-29f9-4c85-bbe7-67166320e965 {\n\t\t\theight: 15px;\n\t\t}\n\t}\t<\/style>\n\t<div class=\"wp-block-tk-spacer id-355ef1b9-29f9-4c85-bbe7-67166320e965\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Participating whole life insurance policies are an appealing option for people seeking lifelong coverage and tax-deferred growth opportunities. Understanding how key components of a policy work, such as the dividend scale, to determine the dividends you earn is key when choosing the policy that best meets your needs. <\/p>\n","protected":false},"author":80,"featured_media":14098,"comment_status":"open","ping_status":"open","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[54],"tags":[4],"article-type":[80],"ppma_author":[],"class_list":["post-14084","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance","tag-life-insurance","article-type-advice-learning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Dividend Scale and Participating Whole Life Insurance | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Learn how the dividend scale and the dividend scale interest rate work within a participating whole life insurance policy. 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