Discover What s Possible

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1 Discover What s Possible Whole Life SM Flexible Choice SM Flexible Choice Whole Life for Individuals and Families

2 Life is filled with possibilities As the path of life unfolds, life insurance may be the most protective, responsible action you can take to ensure a world of possibilities for you and your family for generations to come. I want to be a doctor when I grow up.

3 Flexible Choice Whole Life provides you with financial security and growth through an affordable array of choices to protect and build your money. You can customize your coverage to meet your personal wants and needs while getting the guaranteed protection of whole life insurance. You can open a world of possibilities for you and your family such as paying for college, building retirement income, starting a business or following a dream. Whole Life Guarantees Whole life insurance is a proven, essential solution that can provide the guaranteed protection you need while helping you achieve your goals and dreams. Whether you are starting a family, thinking about putting the children through college or planning for a secure retirement, whole life insurance offers you: Guaranteed death benefit to protect your loved ones Guaranteed policy cash value accumulation you can access when you need it Guaranteed level premiums to support personal budgeting Income potential through dividend payments. Imagine the possibilities

4 Flexible choices to meet your needs Flexible Choice Whole Life supports your life s goals by providing death benefit protection and cash value accumulation. It also offers the unique potential for additional cash through policy dividends, a partial return of premiums paid when the company s claims, expenses and/or investment returns are more favorable than expected. Flexibility to get the coverage you need You can pair your Flexible Choice policy with term insurance to help minimize your early costs and maximize your death benefit. Level premiums and payment duration options can help you manage your budget. Flexible Choice offers added benefits for your whole life Options to maximize your protection and minimize your early costs Flexible access to policy cash value for life s needs Options that secure protection if you can t work Guaranteed protection You can protect your loved ones and ensure your beneficiaries will receive a guaranteed, income-tax-free death benefit that will help protect their lifestyle. You can take advantage of optional policy riders that help you keep your protection intact if you become disabled and can t pay your premiums. Choices to access your cash value You can build assets through policy cash value accumulation that offers guaranteed growth without market risk. You can access the policy cash value you have accumulated for any reason or simply have peace of mind knowing your money will be there when you and your family need it. You can take any policy dividends you earn as cash, apply them to your policy to increase your death benefit or reduce your premiums or leave them in the policy to earn interest until you need the funds. Preservation for the future You can help ensure the financial security of future generations through your actions today. For example, you can directly help your children and grandchildren by gifting them their own life insurance policies. The cash value the policy builds can help them fund their college tuition and shape their possibilities in life. All guarantees are based on the claims paying ability of the issuer. Dividends are not guaranteed. 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.

5 Ask Your Financial Professional What s Possible Protect and Pursue What Matters Most Buy a Home Help Your Favorite Cause Give Yourself a Retirement Paycheck Help Your Grandchildren Fund Your Children s Education Help Your Parents Advance Your Education Create a Business Discover the possibilities

6 Customized to unlock life s true value Flexible Choice Whole Life delivers the guaranteed protection and growth you need. An array of optional benefits and riders lets you customize your policy to meet your unique needs.* Flexibility Flexible Protection Rider blends term insurance with your whole life policy to help lower the cost of coverage and help you build a larger death benefit. Accelerated Permanent Paid-Up Additions Rider periodi cally pays extra premiums to help you replace your term insurance faster. Enhanced Permanent Paid-Up Additions Rider lets you increase your death benefit and build cash value more rapidly by purchasing additional paid-up whole life insurance. Paid-up age option offers you a choice of two ages at which your coverage will be paid-up and no further premiums will be required. Security Overloan Protection Rider keeps your coverage intact despite outstanding loans. Disability Waiver of Premium Rider preserves your coverage if you cannot work in your occupation for two years, or in any occupation after two years. Enhanced Disability Waiver of Premium Rider keeps your policy in force for six years if you cannot work in your occupation longer if you can t work at all. Accelerated Death Benefit allows you to access a portion of your death benefit during your lifetime if you are diagnosed with a terminal illness. Chronic Illness Accelerated Benefit** allows you to receive a portion of your policy death benefit if you suffer from a chronic illness. Guarantees Accidental Death Benefit guarantees an additional death benefit if you die as the result of an accident. Children s Term Insurance Agree ment can be purchased to cover all of your children, and each covered child is guaranteed the opportunity to convert their child coverage to a permanent policy when they reach age 23. Guaranteed Purchase Option allows you to increase your coverage at certain option dates without having to submit medical evidence of insurability. * Optional riders and benefits may be subject to eligibility and underwriting requirements, additional premium requirements and/or minimum or maximum coverage amounts. Available riders and rider provisions may vary by state. For additional information, ask your financial professional. ** In TX, Long-Term Care Accelerated Benefit

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

8 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. Flexible Choice Whole Life is a whole life insurance policy offered by The Penn Mutual Life Insurance Company. Product or features may not be available in all states. Policy form numbers: TL-08(S) and TL-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 PM /11 A1JC

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