Guaranteed Protection Universal Life. Discover What s Possible

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1 Guaranteed Protection Universal Life Discover What s Possible Guaranteed Protection Universal Life

2 Peace of mind for you, protection for your heirs As the center of a sound financial plan, permanent life insurance can provide protection for your family, a legacy to ensure you ll have an enduring impact and a safety net you can rely on during your lifetime. I want protection for my family.

3 Guaranteed Protection Universal Life is permanent life insurance that offers strong death benefit guarantees, added security during your lifetime plus payment flexibility. It provides: Guaranteed death benefit to safeguard your family s well being and lifestyle Protection guaranteed not to lapse before age 121 (shorter periods available based on your needs) Tax-advantaged wealth transfer, enabling you to spend down your retirement savings and create a legacy for your heirs through life insurance Estate planning safety net that offers liquidity to cover taxes and expenses Affordable premiums, making it possible to maintain your guaranteed death benefit for life Flexible payment schedule, so you can skip or delay a premium payment when you need to or save money by paying up the policy early.* Guaranteed Protection Universal Life can unlock possibilities for your family by protecting their financial security during your lifetime and beyond. Key Advantages Guaranteed death benefit * to protect your loved ones Affordable cost to maintain guaranteed death benefit for life Tax-advantaged wealth transfer to unlock possibilities for your heirs Estate planning tool to cover taxes and immediate liquidity needs Premium savings option with early payment of policy Customize coverage with optional riders to meet your needs Secure your family s future * As long as there is cash value in the policy and you catch up to the required no-lapse amount later (when circumstances permit). Missed or late payments, policy distributions and outstanding loans may affect the no-lapse guarantee. * All guarantees are based on the claimspaying ability of the issuer. Death benefit guaranteed up to age 121 as long as required premiums are paid and no loans are taken. 1

4 A simple solution for lifetime protection Guaranteed Protection Universal Life can help ensure a future filled with possibilities for your family by offering affordable death benefit protection you can sustain throughout your life, plus valuable options for additional coverage during your lifetime. Guaranteed Protection Universal Life s simple design makes it easy to maintain coverage. As long as you pay the required premiums on time, you get guaranteed protection, without any complicated decisions to make or investments to monitor. Lifelong Protection Guaranteed Protection Universal Life can provide you with solid life insurance protection and the peace of mind that comes with knowing you re providing a safety net that can help your family maintain their lifestyle and pursue their dreams if you are not there. And the death benefit your beneficiaries receive will be income-tax-free. It can provide your family with the immediate liquidity they need to meet the expenses related to inheriting your assets, estate or business. You can even tailor your coverage to your specific needs by taking advantage of a variety of optional benefits, such as benefits that can help you maintain coverage if you become chronically ill, disabled or face certain health issues. Coverage That Lasts a Lifetime Guaranteed Protection Universal Life includes a no-lapse guarantee that ensures your policy death benefit will remain intact up to age 121, even if the policy value falls to zero or below.* The no-lapse guarantee stays in effect as long as the required premiums are paid and you do not take any policy loans. If you decide you do not need coverage for that many years, you may elect to pay lower premiums and shorten the length of your no-lapse protection. Your financial professional can help you determine the combination of Guaranteed Protection Universal Life premiums and length of the no-lapse guarantee that best suits your needs. 2 * Missed or late payments, policy distributions and outstanding loans may affect the no-lapse guarantee.

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6 Added security during your lifetime Policy riders that provide benefits if the insured becomes chronically ill or totally disabled can help provide a financial safety net during your lifetime. (Rider availability subject to eligibility requirements.) Chronic Illness Accelerated Benefit Rider (CIAB)* Issue Ages: 0 85 (Automatically included with your policy)** Guaranteed Protection Universal Life offers unique lifetime protection features. The Chronic Illness Accelerated Benefit Rider allows you access to a portion of the policy death benefit to use as desired, if the insured is diagnosed with a chronic illness. This rider can help ease the financial burden and emotional toll that a chronic illness can cause for the insured s family. There is no charge for this protection and no impact on your policy unless the benefit is used. Exercising this benefit will reduce your policy death benefit and value, but it can provide financial support your family needs if a chronic illness occurs. While it does not replace the need for long term care insurance, the Chronic Illness Accelerated Benefit Rider can help reduce out-of-pocket expenses and shift the burden of care away from loved ones providing protection and peace of mind. Benefits can be used to pay medical bills, caregiver costs, equipment and other expenses often not covered by health insurance. After a waiting period, a portion of the policy death benefit may be paid if a licensed health care practitioner certifies that the insured was unable to perform at least two of the six Activities of Daily Living (bathing, continence, dressing, eating, toileting, and transferring) or suffered from a severe cognitive impairment for at least 90 consecutive days within the previous 12 months.*** 4 * In TX: Long-Term Care Illness Accelerated Benefit ** This benefit is automatically included on most Penn Mutual permanent life insurance policies subject to certain eligibility requirements. State variations apply. *** With CIAB, a no-lapse premium is still required but is proportionally reduced, due to the lower specified amount, after the claim is made.

7 Disability Waiver of Monthly Deductions Rider Issue Ages: 0-55 (Available at or after policy issue)* If the insured becomes totally disabled, the Disability Waiver of Monthly Deductions Rider can help ensure your policy will not lapse (unless the policy becomes overloaned). For a small additional cost this rider protects your policy by waiving policy charges.** These charges include monthly deductions such as the cost of insurance, policy rider charges (including the charge for the waiver rider) and administrative charges. Your coverage under this rider depends on your age. Consult your financial professional to learn about how this rider can apply to you. * Not available with the Disability Completion Benefit Rider. ** Waiver begins after a four-month waiting period. Condition must meet the disability definition in the insurance contract. This rider does not waive ongoing required no-lapse premiums. If there is cash value in the policy and no loans, the policy will not lapse. If there is no cash value in the policy when the disability occurs, this rider will not prevent a lapse unless the no-lapse premium is met. Disability Completion Benefit Rider Issue Ages: 0-55 (Available at or after policy issue)* Becoming disabled can jeopardize your ability to continue funding your policy and your ability to support your family. For an additional cost, the Disability Completion Benefit Rider waives all policy charges as long as the disability lasts.** It also credits a monthly payment to your policy cash value up to age 70. Protection that can evolve as your needs change Guaranteed Protection Universal Life s Guaranteed Increase Option Rider preserves your ability to increase coverage regardless of changes in the insured s health.* * Subject to rider option dates and limits. This rider protects the insured and the policy if total disability occurs. It can overcome the obligation to pay a no-lapse premium because there is an amount added to your policy cash value by Penn Mutual if the insured is totally disabled (the same as if a premium payment came from the insured). There are age requirements and limitations for coverage under this rider. Your financial professional can guide you regarding whether this rider is right for you. * Not available with the Disability Waiver of Monthly Deductions Rider ** Waiver begins after a four-month waiting period. Condition must meet the disability definition in the insurance contract. To find out more about these and other optional riders available with Guaranteed Protection Universal Life, see page 8. 5

8 A safety net for unforeseen needs With Guaranteed Protection Universal Life, you have several ways to pay your premiums: Pay a level premium throughout the life of your policy. Pay lower premiums initially, then catch up with higher premiums later. Prepay your lifetime premiums and lower your overall costs. Guaranteed Protection Universal Life allows you to create a safety net to cover unexpected costs by paying more than the required no-lapse premium. When you do, you create an emergency fund from which you can make tax-free withdrawals or take a policy loan if you have an emergency, or alternately, build cash value you can use should you decide you no longer need protection.* While Guaranteed Protection Universal Life is not intended to support long-term accumulation goals, it offers the ability to accumulate cash value for emergency or added flexibility. Premium Savings with Early-Pay Option You can also save on premiums and create cash value by paying up your policy early. The ability to prepay your policy, by paying higher premiums early, reduces the total premium you ll pay, removes the obligation to pay further premiums and creates added flexibility and security. Premium Payment Flexibility Guaranteed Protection Universal Life also offers flexibility in your premium payments, which allows you to make adjustments based on your budget, when conditions permit. While it is always important to monitor your policy to make sure you pay at least the minimum required to keep your policy in good standing, you may occasionally have the need to skip a payment then catch up with it, or pay more into your policy. Whichever premium payment option is right for you, your choice can be revisited in the future. And, provided you remain within your policy s no-lapse premium requirements, you can select a different payment approach at any time. Your financial professional can help you determine which premium option is best for you. 6 * Accessing cash values may result in surrender fees and charges may require additional premium payments to maintain coverage and will reduce the death benefit and policy values. Policy distributions will affect the no-lapse guarantee and outstanding loans will nullify the no-lapse guarantee. Partial withdrawals during the first 15 policy years are subject to additional rules and may be taxable. Other conditions may apply.

9 A solution for protecting your business Guaranteed Protection Universal Life can be a cost-effective financial security solution for your business. The income-tax-free death benefit can protect your business and preserve it for your beneficiaries, while optional business riders can help you meet business needs during your lifetime. Guaranteed Protection Universal Life offers value to your business by: Providing liquidity for beneficiaries (whether family members or business partner) to help keep the business going if the owner dies The death benefit from a Guaranteed Protection Universal Life policy can be used to support the transition of responsibilities, leadership and business assets following the business owner s death. Should an owner, partner or key employee retire or become disabled, the policy cash value can also be used to pay creditors, hire temporary employees, pay for professional services or buy out departing owners. Providing estate equalization if your business will be inherited by one child and not the others Often a family business will have some children involved in the business and some who are not, creating the need to provide equal inheritance. A life insurance legacy for non-active family members (who will not inherit shares in the business) can help address your equity of inheritance concerns. Ask your financial professional what s possible. Offering riders that can: Help your business more easily provide coverage when one covered employee leaves the business and another replaces them (such as the Supplemental Exchange Agreement Rider) Minimize early year accounting charges on company financial statements with a policy issued as part of a non-qualified, corporate sponsored plan (such as the Business Accounting Rider) For more information on these business riders, consult your financial professional. Discover the possibilities 7

10 Customize to meet your needs Guaranteed Protection Universal Life supports your life s goals by providing death benefit protection and a safety net that can meet your needs as they evolve. It also offers an array of optional benefits and riders that let you customize your policy to meet your unique needs and supplement other areas of your financial plan.* Added Security Accelerated Death Benefit Rider allows access to a portion of the death benefit if a terminal illness is diagnosed. Overloan Protection Benefit Rider keeps your policy in force despite outstanding loans. Disability Completion Benefit Rider waives policy charges and credits a pre-determined premium to policy cash values if disability occurs. Disability Waiver of Monthly Deductions Rider protects the policy if total disability occurs. Guaranteed Protection Universal Life provides lasting peace of mind and allows you to have an enduring impact. Individual & Family Protection Accidental Death Benefit Rider guarantees an additional death benefit if death results from an accident. Guaranteed Increase Option Rider allows coverage increases at certain ages without evidence of insurability. Additional Insured Term Insurance Rider extends life insurance to a family member without obtaining an additional policy. Children s Term Insurance Rider covers all of your eligible children and guarantees each child the opportunity to convert their child coverage to a permanent policy when they reach age 23. Business Protection Supplemental Exchange Rider permits replacement of one covered employee with another employee without having to purchase a new or additional policy. Business Accounting Rider reduces early accounting charges on your financial statements. 8 * Optional riders and benefits may be subject to eligibility and underwriting requirements, additional premium requirements and/or minimum or maximum coverage amounts. Availability and rider provisions may vary by state. For additional information, ask your financial professional. ** In TX: Long-Term Care Illness Accelerated Benefit.

11 Why Penn Mutual? At Penn Mutual, we are singularly committed to helping individuals, families and small business owners unlock the possibilities of life through our life insurance and annuity solutions. We have never failed to meet an obligation to a policyholder. With our financial strength and stability standing behind our guarantees, we are committed to the brighter futures and best interests Unlock the possibilities of all of our policyholders.

12 Our Noble Purpose Since 1847, Penn Mutual has been driven by our noble purpose to create a world of possibilities, one individual, one family and one small business at a time. As an original pioneer of mutual life insurance in America, we believe that life insurance is the most protective, responsible and rewarding action a person can take to build a solid foundation today and create a brighter future for generations to come. All guarantees are based on the claims paying ability of the issuer. Guaranteed Protection Universal Life is a universal life insurance policy offered by The Penn Mutual Life Insurance Company. Product or features may not be available in all states. Policy form numbers FL-08 (S) and FL-08 (U). (Policy form numbers may vary by state.) Any reference to the taxation of life insurance products in this material is based on Penn Mutual s understanding of current tax laws. You should consult a qualified tax advisor regarding your personal situation. Accessing cash values may result in surrender fees and charges may require additional premium payments to maintain coverage and will reduce the death benefit and policy values. For more information on coverage, please write or call your financial professional The Penn Mutual Life Insurance Company, Philadelphia, PA 19172, PM /13 A2JC E2

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