Diversified Growth SM Variable Universal Life. Protection and accumulation that adjust with your life. A better way of life

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1 Diversified Growth SM Variable Universal Life Protection and accumulation that adjust with your life A better way of life

2 Add to your peace of mind, while adding to your assets You want and need to protect your family s financial future. And the obvious solution is life insurance. Why? Because life insurance is an effective way to both protect your loved ones and provide yourself with invaluable peace of mind. But you would also like life insurance that works hard for you during your life, giving you the strong potential for cash accumulation that can be used as a source of additional income when you need it. And, you want the flexibility to adjust the policy as your needs and goals change in the years ahead, along with features that keep you and your death benefit protected. In short, you want life insurance that remains thoroughly flexible to fit your changing needs, as it protects you and your family today and for the years to come.

3 Introducing Diversified Growth Variable Universal Life With Diversified Growth Variable Universal Life (VUL), The Penn Mutual Life Insurance Company brings you a permanent life insurance policy designed to provide you with solid insurance protection, the potential for strong, tax-deferred cash value accumulation, and the flexibility to adjust your policy as your needs and objectives change. Guaranteed Protection: For Permanent Security Diversified Growth VUL provides solid, permanent life insurance protection. And, to ensure that your death benefit is secure regardless of the cash value in your account, it provides guarantees that your policy will not lapse even if the financial markets experience a downturn. All guarantees are based on the claims-paying ability of the issuer. 20-Year No-Lapse Guarantee protects your death benefit even if your cash surrender value falls to zero or below. As long as your policy is appropriately funded, the death benefit is guaranteed regardless of your policy s performance. And this guarantee is standard with your Diversified Growth VUL policy. The number of guaranteed no-lapse years will vary by issue age. Refer to your illustration for additional details. Extended No-Lapse Guarantee Rider provides even greater security and greater choice in customizing your policy to your needs. You can extend this guarantee for as long as you need it, up to the policy s maturity age. (This rider is available for an extra cost, only at policy issue, and requires that you maintain at least 20 percent of your policy s value in the Indexed Fixed Account.) Accumulation Options: Helping You Reach Your Goals Diversified Growth VUL offers you a choice of cash value accumulation options: A broad lineup of quality variable investment options for exposure to the financial markets An Indexed Fixed Account for attractive growth potential with guaranteed downside protection Other fixed account options to minimize the impact of market volatility. Flexibility: The Freedom to Change Your Plans You have the ability to fine-tune both your investment allocations and several of the policy s protective provisions to adapt them to your changing needs and financial goals. And with Diversified Growth VUL, you also have flexibility in how you make your premium payments. Diversified Growth VUL: Investment Options for Life This policy can serve you from your younger, accumulative years, through retirement, when a more conservative approach may be needed to protect your policy s cash value. This chart highlights only five of the possible investment options that are available. Cash Value Growth Aggressive Accumulation Phase Investment Style Conservative Conservative Allocation Fund Indexed Fixed Account Moderately Conservative Allocation Fund Moderately Aggressive Allocation Fund Aggressive Variable Investment Options Income Phase 35 Age 75 The above chart is for illustration only and does not attempt to predict actual results.

4 Variable Investment Options Diversified Growth VUL gives you access to carefully selected investment options, managed by experienced investment firms and closely monitored to ensure continued quality. Quality Options to Build a Custom Portfolio You can create and manage a personal, customized portfolio by selecting from quality choices in every major asset class and category. Diversification and Discipline... Built In You can choose from one of five LifeStyle Asset Allocation Funds. Each Fund is designed to match a specific level of risk tolerance and automatically rebalance to help keep it on track with its stated goals. Maximizing Potential and Flexibility While variable investments carry more risk than fixed options, they offer greater return potential and can be adjusted, without tax consequences, as your needs and goals change. For complete details on the Penn Mutual family of investment funds, see the Investment Options brochure. These variable investment options are available only with Penn Mutual s variable products and cannot be offered to the general public directly. As with all variable products, they are subject to market fluctuations and may lose value. Penn Mutual Family of Funds Large Cap Large Growth Stock Fund T. Rowe Price Associates Large Core Growth Fund Wells Capital Management Large Cap Growth Fund MFS Investment Management Index 500 Fund State Street Global Advisors Large Core Value Fund Eaton Vance Management Large Cap Value Fund Loomis, Sayles & Company Mid Cap Mid Cap Growth Fund Ivy Funds Mid Cap Value Fund Neuberger Berman Management Mid Core Value Fund American Century Investment Management SMID Cap SMID Cap Growth Fund Wells Capital Management SMID Cap Value Fund AllianceBernstein Small Cap Small Cap Growth Fund Janus Capital Management Small Cap Index Fund State Street Global Advisors Small Cap Value Fund Goldman Sachs Asset Management International International Equity Fund Vontobel Asset Management Developed International Index Fund State Street Global Advisors Emerging Markets Equity Fund Morgan Stanley Investment Management Balanced Flexibly Managed Fund T. Rowe Price Associates Balanced Fund Specialty Real Estate Securities Fund Cohen & Steers Capital Management Fixed Income Money Market Fund Limited Maturity Bond Fund Quality Bond Fund High Yield Bond Fund T. Rowe Price Associates LifeStyle Asset Allocation Funds Aggressive Allocation Fund Moderately Aggressive Allocation Fund Moderate Allocation Fund Moderately Conservative Allocation Fund Conservative Allocation Fund **** Consult with your tax advisor for full details.

5 Fixed Account Options Diversified Growth VUL also offers a choice of fixed accounts to which you can allocate your premiums: The Indexed Fixed Account*: For Growth and Stability This is a unique option that credits interest based on the performance, excluding dividends, of the S&P 500 Index,** one of today s best-known market indicators. This option provides you with the potential for strong returns with guaranteed downside protection thanks to the safety net provided by the annual floor. The ability to lock in accumulated gains also helps make the Indexed Fixed Account a particularly attractive choice for less aggressive investors. The Indexed Fixed Account is also a sound option when you need to take income, or are near retirement, and want to protect your cash value while maintaining the potential for further accumulation. The outstanding features of the Indexed Fixed Account: Guaranteed annual fixed floor of 0 percent, giving you solid downside protection when the market declines** Guaranteed to credit cumulative growth of 2 percent per year over a five-year period beginning at the start of an indexed account segment Guarantees 100 percent participation in the S&P 500 s performance, excluding dividends, credited to you annually on a point-to-point basis, up to a competitive cap Competitive cap that can change over time, but is guaranteed never to fall below 4 percent. The Traditional Fixed Account: For Gradual, Safe Accumulation This is the most stable, least risk-exposed account. It provides a guaranteed effective annual accumulation rate of at least 2 percent, regardless of market conditions. Diversified Growth VUL also offers a 12-month Dollar Cost Averaging (DCA) Account, a special fixed account that you may find particularly useful in helping to smooth out market fluctuations. The DCA Account lets you allocate a fixed dollar amount on a regular basis into either the variable investment options or the Indexed Fixed Account. Dollar cost averaging involves continual investment, so you must consider your financial ability to continue participation during periods of low price levels. No investment strategy can guarantee a profit or protect against a loss in a declining market. How Does the Indexed Fixed Account Work? Comparison of Diversified Growth VUL and S&P 500 results for a hypothetical five-year indexed segment with index credit periods that are re-established annually. These credit periods provide the upside potential of the S&P 500, with the downside protection of a minimum 0 percent annual floor. 20% 15% 10% 5% 0% -5% 3% 3% Year 1 7% 7% Year 2 S&P 500 Index Return -4% 0% Year 3 10%10% Year 4 Year 5 12% Hypothetical Cap 0% Guaranteed Floor The above chart is for illustration only and does not attempt to predict actual results. 16% 12% Diversified Growth VUL Indexed Fixed Account * The Indexed Fixed Account, unlike a variable investment option or an index variable fund option, does not directly allocate policy values into the equity markets. Allocations to this fixed account are credited with interest, based on the performance of an index, up to a capped percentage amount with a minimum guarantee. Please see the Diversified Growth VUL prospectus for more information. The S&P 500 Index is a product of S&P Dow Jones Indices LLC ( SPDJI ), and has been licensed for use by Penn Mutual Life Insurance Company. Standard & Poor s, S&P and S&P 500 are registered trademarks of Standard & Poor s Financial Services LLC ( S&P ); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC ( Dow Jones ); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Penn Mutual Life Insurance Company. Penn Mutual s Diversified Growth Variable Universal Life product is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index. **In PA the guaranteed annual fixed floor is one percent.

6 The Flexibility You Need to Meet a Changing Future Diversified Growth VUL does more than give you several ways to accumulate cash value. You also have the flexibility to adjust your coverage and your allocations (without tax consequences) as your needs and goals change over time. For example: You can easily reallocate your funds between individual investment options, changing your growth potential and risk exposure to suit your stage in life. You can switch between LifeStyle Funds to adopt a more conservative or aggressive stance. You can reallocate funds to the more conservative Indexed Fixed Account or the Traditional Fixed Account. Transfers into the Indexed Fixed Account can only be made on the monthly anniversary of the policy s issue date Transfers out of the Indexed Fixed Account can only be made on either the segment maturity date or at the end of an annual interest crediting period. More Options to Customize Your Coverage Diversified Growth VUL also offers two death benefit options: The level death benefit stays fixed for the duration of the policy. (However, withdrawals will reduce the death benefit.) The increasing benefit grows along with any appreciation in your policy s cash value. And, while you will elect either type of death benefit at policy issue, you are free to change options as your life situation changes (possibly subject to underwriting requirements). You can further tailor your Diversified Growth VUL policy to your needs by adding any of our optional benefits and riders. They are all explained in detail in the separate benefits and riders brochure. Transfers out of the Traditional Fixed Account can only be made on the policy anniversary or during the 30-day period following the policy anniversary. Benefits for Your Business Diversified Growth VUL can be extremely useful to businesses, particularly through the use of two optional riders: Cash Value Enhancement Rider This allows a company to treat up to 100 percent of its first-year premiums as the policy s surrender value, which can result in showing a more favorable book value on its balance sheets. Supplemental Term Rider This rider enhances the long-term cash value of the Diversified Growth VUL policy by creating a term blend of the base policy with term life insurance coverage. These are only two of several riders that offer advantages for businesses. They can be used alone or in combination to create innovative solutions for your company.

7 A Better Way of Life More Ways to Access Your Cash Growing your cash value is one thing, but you also want to have access to it. And Diversified Growth VUL gives you liquidity in several ways. There are two types of loans available: A traditional loan that charges a fixed rate of 4 percent, but also credits interest on the loaned funds: During the policy s first 10 years, the loaned amount will be credited 3 percent interest. In year 11 and beyond, the loaned funds will be credited a minimum interest rate that is guaranteed not to fall below 3.75 percent (4 percent in NY). Available from all accounts. An indexed loan that charges a fixed rate of 6 percent: The unique indexed loan feature is attractive when the interest being credited to the funds in the Indexed Fixed Account is greater than 6 percent, resulting in a net positive cash flow; if the credited rate is lower, however, you will incur net interest charges and lose value. An indexed loan may only be taken after the policy s first year. (Not available in NY). Available only from the Indexed Fixed Account. You may only have one type of loan outstanding at any given time. Both types of loans are limited to 95 percent of the policy s cash surrender value. Finally, you can request withdrawals and loans monthly if you need regular income. Please note: Loans and withdrawals will adversely impact cash values and death benefits, and may be subject to income taxes, surrender charges and a processing fee. Diversified Growth VUL is distinctive in the market in many important respects. It combines solid death benefit coverage with several ways to potentially build strong cash value, and offers many flexible features to keep your policy in line with your needs. Your financial professional can explain all of the benefits of Diversified Growth VUL and show you how it can serve all your protection needs and financial goals. Founded in 1847, The Penn Mutual Life Insurance Company has honored each and every financial commitment throughout its long history. And Diversified Growth Variable Universal Life is one more example of Penn Mutual s ability to bring you a better way of life.

8 Diversified Growth Variable Universal Life Frequently Asked Questions What are the benefits of accumulation within a life insurance policy (particularly a variable policy)? Many people have several different kinds of assets working for them simultaneously, from stock portfolios to their 401(k)s at work. Diversified Growth VUL can add yet another potential source of asset growth to your overall financial plan, providing you with a broad array of accumulation options with the added benefit of protecting your loved ones. Why should I consider funding my policy with as much premium as I feel comfortable paying? When you commit to fully funding your VUL policy, you lower your insurance-related policy costs throughout your lifetime and may realize greater accumulation potential. For what kind of individual does Diversified Growth VUL make the most sense? Diversified Growth VUL will most likely appeal to people with moderate-to-high risk tolerance. These may be younger clients who have more years over which to accumulate cash value. What happens to my policy if my investment accounts experience negative performance? There are two no-lapse guarantees that are designed to protect your death benefit, even if your investments suffer a serious decline. The standard 20-Year No-Lapse Guarantee comes automatically with your policy at no extra charge and protects you from market downturns for up to 20 years. The number of guaranteed no-lapse years will vary by issue age. Refer to your illustration for additional details. The Extended No-Lapse Guarantee, which is optional and available at extra cost, extends that protection for as long as you need it, up to the full duration of the policy. If I want to take income from my policy, are there options that will help protect my cash value from market risk? For many people, more conservative options would be a likely choice at such a time, and Diversified Growth VUL offers several of them: the Indexed Fixed Account to protect cash value and still provide attractive returns; the Traditional Fixed Account for maximum cash value protection and some growth; and a conservative LifeStyle Fund. Contract Charges and Fees Percent of Premium Load Monthly Fee Mortality & Expense Risk Asset Charge Mortality & Expense Risk Face Amount Charge Cost of Insurance Surrender Charge All policy years: 5% of premium (7.5% maximum) $8 per month ($9 maximum) 0.35% annually on the first $25,000 of policy value (0.60% maximum) 0.05% annually on the next $25,000 of policy value (0.60% maximum) 0.05% annually on the excess over $50,000 (0.30% maximum) No current charge policy years 11+ Mortality & Expense Risk Asset Charges do not apply to any fixed account or loan amounts. There is a monthly expense charge per $1,000 of coverage each month for the first 10 policy years (and for the first 10 years following an increase in the specified amount). This charge varies by age and class. Rates vary by issue age, sex, risk classification and policy duration. Maximum rates are based on the 2001 CSO mortality table. Surrender charges vary by issue age and amount. Charges apply during the first nine years of coverage and during nine years following an increase in specified amount. Consult your financial professional today for more information on Diversified Growth Variable Universal Life, including a detailed policy illustration. This brochure must be preceded or accompanied by a Diversified Growth VUL prospectus and the underlying investment option s prospectus. Investors should carefully consider the investment s objectives, risks, charges and expenses before investing. Please read the prospectuses carefully before investing. You can obtain prospectuses from your Penn Mutual financial professional or go to Diversified Growth VUL is a flexible premium, adjustable variable universal life insurance policy offered by The Penn Mutual Life Insurance Company. Product and/or features may not be available in all states. Policy form numbers: VU-08(S) and VU-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. Penn Mutual s variable products are primarily offered through Hornor, Townsend & Kent, Inc. (HTK), Registered Investment Advisor, Member FINRA/SIPC, 600 Dresher Road, Horsham, PA 19044, HTK is a wholly owned subsidiary of The Penn Mutual Life Insurance Company. For more information on coverage, please write or call your financial professional The Penn Mutual Life Insurance Company, Philadelphia, PA PM /14 A4YK E2

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