Company: ATMCW
Filing Date: 2025-11-17
Form Type: DEFM14A
Source: 0001493152-25-023842
Chunk: 308

Company: ALPHATIME ACQUISITION CORP
Filing Date: 2025-11-17
Form: DEFM14A
Chunk 308
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holders have a contractual right to receive additional benefits based on investment returns or other factors, normally at the discretion of the insurer, as a supplement to any guaranteed benefits. The insurer’s board of directors may decide to pay dividends if the company has surplus funds, such as when it outperforms investment expectations, pays fewer death benefits than expected, or cuts costs. If an insurer lacks sufficient earnings to draw from, then it may not distribute dividends or bonuses that year.

This additional distribution is not guaranteed. The amount may change from year to year based on the company’s financial performance. Its amount of profit - and, thus, the size of its dividend payout - depends on certain factors. These include:

| ● | Investment                                                                                                                       
 performance. Insurers must be cautious when estimating the returns they’ll receive from invested assets. If their investments    
 provide a return beyond what’s projected, however, they may add it to their dividend payout.                                     |
| ● | Mortality                                                                                                                        
 risk. Life insurance companies use actuarial data to predict how much they will have to pay out in death benefit claims during a 
 given year. Should actual mortality expense end up being less than assumed, they are more likely to generate a profit.           |
| ● | Operational                                                                                                                      
 expenses. All insurers incur a variety of expenses to keep the business going, from paying salaries and rent to marketing        
 costs. The better the company is at minimizing those outlays, the better its chances of earning a profit and being able to pay a 
 significant dividend.                                                                                                            |

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Policyholders can use dividends to: reduce premiums, Increase cash value, purchase additional coverage, and receive direct cash payments. Participating life insurance policies typically cost more than non-participating policies because of the dividend payments. Non-participating policies don’t offer dividends and have fixed benefits that are set when the policy is issued. While there are many benefits for this type of insurance, there are some drawbacks-like higher premiums (compared to term life insurance), lack of flexibility, slower growth and potential penalties.

The most common term lengths for the policies we broker are 5 and 10 year, however, we sometimes broker policies for 20, and 30 years as well.

Non-Participating Life Insurance

Non-participating life insurance products, also known as a non-par plan, are contracts of insurance where the policyholder has a guaranteed right to the benefit, which is not at the contractual discretion of the insurer. It is a type of life