What Does Whole Life Insurance Not Guarantee? 
Participating whole life can not guarantee policy dividends . Its relatively high premium is designed to be paid for life -LRB- in most cases , earlier in others -RRB- and is required to be paid each year . You may not skip a premium . Dividends are never guaranteed . Dividends are a return of premium . They can stay in the policy by buying paid up additional life insurance . Such projected cash value from dividends will appear on illustrations as non guaranteed cash values . The basic cash values in the policy are guaranteed . 