What Is Non-Participating Term Life Insurance? 
That is a great question ! Life insurance policies are designated `` participating '' , or `` non-participating '' . The terms refer to the payments of dividends from the insurance company to you , to be applied to your policy . In a non-participating policy , there is no dividend payment arrangement . In a participating policy , you may or may not receive a dividend payment , it is solely up to the discretion of the company as to whether it pays one or not , and if so , how large that payment is . I hope that helps , thank you for asking ! 