iA Participating Life Insurance (iA PAR) is a permanent life insurance product combining growth, flexibility and stability. This is a product that stands out in the market thanks to the participating account's asset allocation strategy.
A flexible and highly competitive product
iA PAR meets the highest expectations of clients who wish to:
- Maximize estate growth thanks to annual dividends
- Generate a source of long-term liquidity, to supplement retirement income or reduce their premium payments
- Provide a strong financial foundation for children or grandchildren
- Benefit from a tax-efficient source of asset diversification, including privileged access to institutional asset classes
iA PAR offers some of the most sought-after features on the market:
- Flexible payment duration options over 10 years, 20 years or until age 100
- Four dividend options, including the Additional deposit option (ADO), recently made more flexible, that allows to speed up the growth of the face amount and total cash value
- Automatically included disability benefit for access to surrender values.
iA PAR Estate - Ensure the long-term growth of the surrender value and the face amount to meet estate planning needs.
iA PAR Wealth - Prioritize access to a higher surrender value from the first years of the contract, as well as long-term growth of the surrender value and the face amount.
Growth and asset allocation
iA PAR has been a great success since its launch, as evidenced by the dividend scale interest rate that was increased to 6.35% for 2025.
The participating account asset allocation benefits from an optimal diversification of asset classes. A prudent and measured approach is employed to maximize long-term returns.
Did you know
iA PAR can be used in the context of wealth transfer strategies. Stay tuned to learn more in the coming weeks!
For more information, access the iA PAR resource portal.
