Unlocking Life s Possibilities
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- Jason O’Neal’
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1 Unlocking Life s Possibilities
2 Introducing a new perspective on life
3 From home to work to retirement, the path of life is full of changing needs, dreams, happy moments, surprises and sometimes, unpredictable emergencies. A sound financial plan is essential to ensuring a smooth path. And we believe a plan centered on life insurance can help you guarantee protection, accumulate cash value and unlock possibilities at each stage of life. Life Insurance is more than just death protection. It serves as the center of a sound financial plan. It strengthens all other financial solutions. It provides benefits throughout life and delivers an enduring impact. The Bottom Line Discover what s possible when you own permanent life insurance.
4 Getting ahead in life
5 Today s fast-paced world means that most people have less free time and more responsibilities than ever. This makes it more difficult to navigate through the choices and challenges of an increasingly complex financial environment to meet current and future financial needs. Permanent life insurance is a tried and true financial solution that guarantees death protection and provides policy cash value that can be used to help people achieve lifetime goals such as: A college education A comfortable retirement The start-up of a new business And much more. Yet, too many people and small businesses remain uninsured or underinsured because they are unaware of how much permanent life insurance can do for them during their lifetimes. 51% of households are at risk of not having enough to maintain their living standards in retirement 1 46% of Americans lack emergency savings, having no savings or less than 3 months of emergency savings 2 College education costs have increased 5.6% per year, beyond the rate of general inflation over the past decade 3 58 million Households say they need more life insurance 4 All guarantees are based on the claims paying ability of the issuer. Policy loans and withdrawals will reduce the policy cash value and death benefit. Additional premium payments may be required to maintain coverage. 1 National Retirement Risk Index 2009, Center for Retirement Research at Boston College 2 Bankrate s June 2011 Financial Security Index 3 The College Board, Trends in College Pricing 2010 based on published tuition and fees at public four-year colleges and universities from LIMRA 2010 Study The Bottom Line Create a financial plan that focuses on your immediate and future needs.
6 Shaping a new understanding
7 Financial readiness starts with clarity It isn t easy to find the time to make sense of the non-stop financial information and opinions in today s 24/7 society. A clearer financial understanding starts with separating myths from realities in order to fully appreciate the complete value of life insurance. Myth Life insurance is death protection only all you need is term insurance. Reality Plan Ahead Life insurance provides protection and possibilities. Own permanent life insurance and build cash value for emergencies, college funding, retirement income or other living needs. Supplement with term insurance. Myth You should buy life insurance only after you have started a family. Reality Buy Early Life Insurance should be considered early in your financial life and aligned and valued at every stage of life. Buying early helps you lock in the best rates while you are young and healthy. Myth Buy it once and you are all set. Reality Keep it Updated As life evolves, so do your personal and your family s financial needs. Make sure your life insurance grows with you. The Bottom Line Learn the truth about the complete value of permanent life insurance.
8 A new way of Looking at life Life insurance is a dynamic, multi-purposed means of: Providing the protection of a guaranteed safety net for your loved ones Unlocking life s possibilities and doing more throughout your life Making an enduring impact that transcends generations. A few simple tips to get started ümake life insurance first and center in your financial plan. Do not see it as just another product you need to buy. üreview and upgrade at key events (new child, new home, etc.). Do not assume your family s needs stay the same as life changes. üalways review on an annual basis to ensure you stay on track. Do not think of it as a one-time purchase to cover a few what-ifs. The Bottom Line Life Insurance first and center helps to create a more complete financial plan.
9
10 Connecting the financial pieces
11 Life insurance helps to create a complete financial plan and strengthens all of your financial solutions. Investments: The safety of life insurance allows you to pursue greater returns in your investment portfolio. Annuities: Supplemental retirement income from life insurance gives you more flexibility to decide when to take annuity distributions. Disability Insurance: A life insurance disability waiver can cover premiums and free up disability benefits for other needs. Long-Term Care: A chronic illness rider on a life insurance policy offers an extra financial safety net above and beyond your typical long-term care coverage. Other Solutions: Access your life insurance policy for emergencies and supplemental income, so your 401(k) or 529 plan can grow as long as possible. The Bottom Line Permanent life can strengthen your financial plan and mix of solutions.
12 Unlocking Possibilities at every stage of life The story of my life: Matt s journey Matt started his financial plan early, with permanent life insurance at the center of his plan. He and his financial professional reviewed his coverage annually and also when he experienced life events such as marriage, the births of his children, career changes and even family health changes. Matt weathered several market downturns over the years and still achieved important goals for himself and his family including the start of his business, weddings and college educations for his children and a financially secure retirement in which he still looks to his permanent life insurance policy to help him unlock more of life s possibilities.
13 I Got Started on my Financial Life in my 20 s after landing my first job. I Refined my Financial Life in my 30 s as I got married and had kids. I Stayed the Course and achieved great success in my 40 s and 50 s when I opened my law practice. I m Enjoying Life with my family and staying active in my 60 s as I ve earned the right to not work full-time.
14 Getting started in life We encourage you to talk with your financial professional By virtually every measure, the need for and value of a financial professional has never been greater Today s financial climate is more complex than ever. The number of financial products available is seemingly limitless. As your needs and family evolve, your financial plan needs to keep pace. A financial professional can help you build a financial plan that positions life insurance first and center and helps keep you on track to unlock all of life s possibilities. The Bottom Line Talk with your financial professional to discover what s possible.
15 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. With our financial strength and stability standing behind our guarantees, we are committed to the brighter futures and best interests of all of our policyholders.
16 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. 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 The Penn Mutual Life Insurance Company, Philadelphia, PA PM /12 A2JC E2
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