Guaranteed Cost/Non-Participating Policies

Life insurance policies with fixed and invariable premiums, cash value, and face amounts.

The value of guaranteed cost/non-participating policies does not fluctuate based on loss experience, expense, or investment. This is advantageous for the insured because the insurance company won’t pass along additional costs if it experiences adverse financial conditions.

However, non-participating policies don’t pay out any dividends, so the insured earns no money nor reaps any additional benefits from carrying this type of policy.

Getting nothing back from your life insurance investment makes the true cost of guaranteed cost life insurance higher than normal.


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