Mutual Trust Life

At A Glance

Key Features:
- Locked-in premium rates, guaranteed cash value accumulation (with potential additional dividends), and a secure death benefit.
- Strong early cash value growth—often exceeding the annual premium in the initial years.
Premium Payments:
- Payable up to age 90.
Eligibility & Underwriting Classes:
- Standard: Ages 0–17
- Standard Tobacco & Standard Non-Tobacco: Ages 18–75
- Preferred Non-Tobacco & Preferred Tobacco: Ages 18–75
- Preferred Plus Non-Tobacco: Ages 18–75
Coverage Amounts:
- Preferred Plus & Preferred categories: Requires a total underwriting risk of at least $100,000.
- Standard classes:
  - Ages 0–39: Minimum coverage of $25,000
  - Ages 40–75: Minimum coverage of $10,000
- Maximum coverage: Determined through underwriting.

Key Features:
- Guaranteed death benefit with fixed premium payments, often more affordable than other whole life options.
- Cash value accumulation guaranteed in later years.
Premium Payments:
- Payable through age 121.
Eligibility & Underwriting Classes:
- Standard Non-Tobacco: Ages 0–80
- Standard Tobacco: Ages 18–80
- Preferred Non-Tobacco & Preferred Tobacco: Ages 18–80
- Preferred Plus Non-Tobacco: Ages 18–80
Coverage Amounts:
- Preferred Plus & Preferred categories: Require a minimum underwriting risk of $100,000.
- Standard categories: Minimum coverage starts at $25,000.
- Maximum coverage: Determined based on underwriting.

Product Type:
- Term Life Insurance
Key Features:
- Guaranteed level premiums for 10, 15, 20, or 30 years.
- Renewable annually up to age 98.
- Convertible to most Mutual Trust whole life products, including Horizon Value™, without requiring proof of insurability.
Premium Payments:
- Payable until age 98.
Eligibility & Underwriting Classes:
- SelecTerm 10: Ages 18–75
- SelecTerm 15: Ages 18–70
- SelecTerm 20: Ages 18–65
- SelecTerm 30: Ages 18–50
Coverage Amounts:
- Minimum: $100,000
- Maximum: Determined through underwriting.