M U T U A L T R U S T L I F E I N S U R A N C E C O M P A N Y®

A Pan-Amer i can Li f e Insurance Group Stock Company

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Providing financial security for your loved ones and guaranteed cash growth that builds in later years for you!

Form No. M-091 (12/18); Base Policy Form No. ICC17 980, or state variation

Our Mutual Advantage: Mutual Trust Life Insurance Company is a wholly owned subsidiary of the Pan-American Life Insurance Group (PALIG) and operates within a mutual holding company structure. This means we are owned by our policyowners, not shareholders. As a policyowner, you will be our first priority, not investors or other outside interests. Mutual Trust was founded in 1904 on the principles of mutuality and policyholder participation, values we continue to embrace today. So while dividends are not guaranteed nor required by law, our financial strength and sound management has enabled us to pay them to owners of our participating products for more than 100 years.

Mutual Trust is The Whole Life Company.®

Horizon GuaranteeTM, Mutual Trust’s participating whole life product, provides the peace of mind and fi nancial

security you need and want for your loved ones at a guaranteed level premium that is often lower than other

whole life premiums. With Horizon Guarantee, guaranteed cash value and non-guaranteed dividends that build

in later years can be used to supplement your income in retirement, off set the premium, or for any reason you

choose. It can be a good choice for anyone who wants a guaranteed death benefi t; attractive, guaranteed premiums;

and guaranteed growth of cash value, but whose fi rst priority is death benefi t protection and the buildup of cash

value is secondary.

* Administrative and reduction fees are taken at the time of acceleration. See rider language for full details.

To fi nd out if Horizon Guarantee is right for you, contact your Mutual Trust Representative.

Horizon Guarantee provides a maximum, guaranteed death benefi t at a cost-eff ective, guaranteed

level premium, PLUS:

• Guaranteed Cash Value and non-guaranteed dividends—that build in subsequent years

and can be used later to supplement income in

retirement, off set the premium, or for any reason

you choose.

• Non-Forfeiture Benefi ts—including term or

reduced paid-up insurance, if your plans change.

• Accelerated Death Benefi t Rider (with Chronic and Terminal Illness provisions)—

available at no additional premium. Th is rider

makes it possible to accelerate a portion of your

policy’s death benefi t if the insured becomes

chronically or terminally ill, providing funds at

a time when your family might need it most.*

• Flexibility of Customizing Your Policy—fi t

your specifi c needs by adding optional riders

and benefi ts as recommended by your Mutual

Trust insurance representative.