What Are Paid Up Additions In Life Insurance? 
Life insurance policies can be participating or non-participating . Participating policies share in the divisible surplus of the insurance company and receive dividends , non-participating do not . These type of dividends are in essence a refund of premium . One of the dividend options available is paid up additions . Paid up additions are like a fully paid up versions of the policy to which they are attached . The paid up additions , have a cash and death value and also attract dividends . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me . If you would like to work with a local life insurance broker , you could start with a Google search . For example , if you search for : life insurance broker Halifax or life insurance agent Halifax , my name , along with several others , will come up . You can use the same method to find a life insurance broker in your community . 