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hello my following cheerables Im Kelly with arrow final expense and today well go over dividends in whole life insurance and be sure to stay tuned till the end when I tell you exactly how and when you can pick how your dividends will be paid if youre new to my channel youll get the best tips facts and honest information about life insurance so first things first what are dividends well they are a percentage of the insurance companies profits that are paid out to the policy holder on the policy anniversary date every year this would be similar to any conventional investment dividend which represent a public companys profit share so when a whole life policy does pay a dividend it is considered a participating policy a participating policy is one that does share in the companys profits however not every whole life policy is a participating policy meaning not every whole life policy is going to pay a dividend a non-participating policy will be less expensive annually but it wont pro