Discover What s Possible
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- Delilah Patricia Lambert
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1 Discover What s Possible Whole Life for Business SM Flexible Choice SM Flexible Choice Whole Life for Business Owners
2 Life is filled with possibilities You ve followed your passion, creating a vision for your life and your business. Whether you own a start-up, have a growing business, or own a company that has been around for generations, you face countless opportunities and challenges at each stage of your business. You need financial solutions that help you take advantage of opportunities for growth and protect your business from the unexpected.
3 Whole life insurance is a proven, essential solution that can help you protect your business, seize opportunities and meet life s challenges. It can also be used to provide you and your employees with greater security in retirement. Flexible Choice Whole Life insurance can help ensure the financial stability of your business by providing policy cash value that can be used for growth or other needs. You can customize your coverage to meet your business needs while getting the guaranteed protection of whole life insurance. You can embrace a world of possibilities from funding a business expansion to attracting top talent that can help your business reach new heights. The Difference is the Guarantees You can count on the guaranteed death benefit and cash accumulation of whole life insurance to provide: A safety net for you, your business and your family Access to your policy cash value when you need it A cost-effective benefit and compensation tool A flexible solution to help ensure the continuity of your business. Imagine the possibilities
4 Unlocking the possibilities for your business Flexible Choice Whole Life can help you meet your objectives at any stage of your business by providing death benefit protection and cash value accumulation you can use for various business needs. 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. Flexible Choice Whole Life s unique business provisions give you the versatility to achieve a variety of goals from rewarding employees and top talent to preserving your business assets, to providing your family with protection and security. Protecting Your Family and Your Life s Work The death of a business owner or partner can often spell disaster for a business. Flexible Choice Whole Life s guaranteed death benefit can add a critical layer of protection for business owners and their families by replacing lost revenue. Helping You and Your Employees Achieve Retirement Goals Flexible Choice offers retirement plan tax advantages for you and your employees. Its guarantees make it an excellent choice for qualified, tax-deferred retirement plans such as 401(k)s or fully insured, non-qualified retirement plans. Flexible Choice Whole Life can also serve as a cost-effective source of funding for the conservative, long-term growth portion of a retirement or profit sharing plan. Attracting and Rewarding Loyal Employees Flexible Choice can support a variety of cost-effective and tax-advantaged programs designed to help you reward and retain your company s top talent. Programs can be structured to provide select employees with significant incentives if they remain with the business until retirement. These easy-to-administer programs can help you provide yourself and key executives with more long-term bonus dollars than you could with a traditional cash bonus plan.
5 Providing Cash Value to Help with Business Ups and Downs The guaranteed accumulation of Flexible Choice Whole Life helps build cash value you can use for any purpose. Access your policy cash value through withdrawals or loans and use the money for a business expansion, a special purchase or as extra income. Or, you can keep the money in your policy as a safety net you can tap into if you encounter a business interruption or financial hardship. Protecting Your Business and Your Vision Even When You are Gone The death benefit and cash value from a Flexible Choice Whole Life policy can be used to ensure the smooth transition of responsibilities, leadership and business assets when a business owner, partner or key employee retires, becomes disabled or dies. The cash value in the policy can be accessed to pay creditors, replace lost revenue and income, pay for temporary employees or professional services, buy out departing owners or heirs of deceased owners and help cover other unexpected costs. 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. Discover the possibilities
6 Flexible choices to meet your business needs Flexible Choice Whole Life delivers guaranteed protection and cash accumulation optional benefits and riders let you customize your policy to meet your unique business needs.* Business Versatility Qualified Plan Surrender Privilege lets you recuperate policy premiums you have paid if your covered employee is terminated within the first two years of employment. Qualified Plan Change-of-Plan Provision allows you to transfer the cash value from one whole life policy to another permanent policy without medical underwriting. Supplemental Exchange Agreement** permits you to replace one covered employee in a qualified or non-qualified plan with another employee, without having to purchase a new or additional policy. 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 periodically pays extra premiums to help you replace your term insurance faster. Enhanced Permanent Paid-Up Additions Rider lets you or your employees (including those in Qualified Plans) increase policy death benefits 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 Agreement 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 OR: Change of Ownership Agreement *** 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 /12 A1JC
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