participating insurance

(redirected from Participating policy)
Also found in: Financial.
Related to Participating policy: reversionary bonus

participating insurance

n
(Insurance) a system of insurance by which policyholders receive dividends from the company's profit or surplus
References in periodicals archive ?
New York Life, Americas largest mutual life insurer, today announced that the company expects to pay eligible participating policy owners a record dividend payout of $1.
MassMutual is a leading mutual life insurance company that is run for the benefit of its members and participating policy owners.
If desired, these taxes could be paid with borrowed or withdrawn policy cash values, or dividends, if funded with a participating policy.
The historical performance charts are based upon a Male Age 45 (we used age 55 last year) who purchased a participating policy 10 or 20 years ago.
Specifically, their model suggests that participating policy usage is dictated by a trade-off between the benefits of reducing the risk-shifting and underinvestment conflicts and the costs of exacerbating the manager-stockholder conflict.
In the context of the insurance market, this constraint precludes obtaining a first-best optimal participating policy with full insurance and a variable premium.
If you purchase a participating policy, you get a share of the income from these investments in the form of dividends.
If the insurance company achieves lower mortality rates through astute underwriting and achieves higher investment returns than it guaranteed, the difference will be rebated as a dividend in a guaranteed whole life policy from a mutual company or from a participating policy issued by a stock company.
has said that the company would pay participating policy owners a record dividend payout of USD1.
Here's the question: "Given that paid-p additions on [many] participating policies are issued standard even on a rated or substandard applicant, would it not be actuarially better to issue a participating policy with paid-up additions rather than a traditional Universal Life policy with option B or increasing death benefit?
The article addresses in particular the issue of a fair contract design for a complex type of participating policy and analyzes in detail the feasible set of policy design parameters that would lead to a fair contract and the trade-offs between these parameters.
6 Billion for 2015, marking the third consecutive year the company has paid a record dividend to entitled participating policy owners and members.
Full browser ?