05/14/2026
It’s “rate change announcement” season again, and it’s a good reminder that not all insurance works the same way.
If you’ve ever heard the term dividend scale in participating whole life insurance and wondered what it actually means, you’re not alone. The dividend scale is the set of factors an insurer uses to determine dividends (based on things like investment performance, expenses, and claims experience). It can change over time.
This is also what makes participating life insurance such a unique asset for long-term planning: it’s not just coverage, it can be a tool that builds value and can be structured to support goals like family protection, estate planning, and legacy strategies.
Most recently Desjardin Insurance and Equitable Life has announced they will be maintaining the same Dividend Scale Interest Rate, we will gather the full list and share once all announcements have been made.