Belgian insurance words / translation

[OneOverZero]

I am experienced in pensions, not in insurance. I am now working on Belgian pension plans that are partly financed by life insurance contracts, and would like help getting the English vocabulary right.

1 - The individual contracts are credited with something like interest if the insurance company's funds earn more than the contractual interest rate. This crediting goes into a sort of notional side account. In French, they call this excess account "participation bénéficiaire". Somone has translated this for me as "profit sharing", but my gut tells me that this would be called "participation" in English. What do you think?

2 - The process and amount of the crediting to the "participation bénéficiaire" is called in French "dotation". I wonder how we normally say this in English. There is an English word "dotation", but I don't know whether we apply it to this concept. Any ideas?

Thanks in advance for anyone's help. I'll try to give more details if you need them.

[asdfasdf]

Profit sharing sounds correct, see here (http://www.wordreference.com/fren/participation+b%c3%a9n%c3%a9ficiaire), also provision looks like the best translation for dotation (http://www.wordreference.com/fren/dotation), I have some French colleagues at work who can confirm this tomorrow probably if that's not sufficient.

Edit to add, given that nobody seemed to answer you here you could also try asking in the French subforum of the AO

[vtek]

participation aux bénéfices is profit sharing

a dotation would be a contribution. it is not a provision as that would be provision, or réserve.