A Pan-American Life Insurance Group Stock Company

Security Center

The security of your personal information is always a priority at Mutual Trust Life Insurance Company. We work hard to help ensure your information stays secure. The following links will inform you on how Mutual Trust Life Insurance Company protects you and how to protect yourself.

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How Mutual Trust Protects You

Privacy Policy

Mutual Trust Life Insurance Company recognizes that our relationship with you is based on integrity and trust. We work hard to maintain your privacy. We are very careful to take steps to preserve the private nature of your relationship with us. We want you to be aware of how we handle and protect your personal information. We restrict access to personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic and procedural safeguards that comply with legal standards to guard your personal information. For further information about our Privacy program, please contact our Compliance Department.

Anti-Fraud Program

Mutual Trust Life Insurance Company recognizes that an insurance company must take a proactive, as well as a reactive, stance against fraud in today's business environment. We have developed an anti-fraud program that serves many purposes, including effectively communicating to all stakeholders the policies and procedures in place that will help to deter fraudulent activity. We have taken steps to develop procedures to prevent, detect, investigate, monitor and respond to potential fraudulent situations. For further information about our Anti-Fraud Program, or if you suspect fraudulent activity, please contact our Anti-Fraud Coordinator.

Corporate Governance Program

Our employees are governed by a code of conduct. All employees are required to take Code of Conduct training on an annual basis.

Security and Privacy Protection Policy

Mutual Trust Life Insurance Company takes great effort to keep Social Security numbers confidential. Specifically, we do not include the Social Security number in communications with our clients, unless permitted by law. It is our policy to only request, collect, and retain enough personal information needed for us to comply with all State and Federal Laws/Regulations and what we believe is needed to meet our insurance responsibilities to our customers. Unlawful disclosure of a social security number is specifically prohibited. Only employees who have a business reason have access to personal information about our customers, employees or agents. We maintain physical, electronic, and procedural safeguards to protect information. In addition, we take the steps to attempt to assure that any third party service provider maintains a similar Security Policy before we share any sensitive information with them. We place great importance in our commitment to make sure that our employees are properly educated in privacy and security issues. For further information about our Privacy program, please contact our Compliance Department.

Copyright and Trademark Notice

Materials available through this website are the property of Mutual Trust Life Insurance Company and its affiliate, Mutual Trust Life Insurance Company. Materials on this website are protected by copyright, trademark and other intellectual property laws. You may not, and agree that you will not, reproduce, download, license, publish, enter into a database, display, modify, create derivative works from, transmit, post, distribute publicly by any means, decompile, reverse engineer, disassemble, use on another computer-related environment, transfer or sell any Intellectual Property, information, software or products obtained from or through this website, in whole or in part, without the express written consent of Mutual Trust Life Insurance Company or one of its affiliates.

Business Continuity & Disaster Recovery Program

Mutual Trust Insurance Company has a business continuity and disaster recovery program and plan to provide for an orderly return to normal business operations after a significant disruption. The strategy of Mutual Trust's business continuity and disaster recovery program is to take all reasonable and appropriate steps to protect our people, our infrastructure, the services provided to our customers, and the services provided to our field.

Mutual Trust Life Insurance Company: Rules Regarding Use Of Social Media

Mutual Trust Life Insurance Company's participation in on-line social media sites is intended to communicate information and promote the exchange of ideas between all those that participate. While it is our hope that all that visit have an enjoyable and informative experience, they must participate within the confines of the following usage rules:

COMMENTS: The comments, opinions, and statements made by individuals who visit our page do not necessarily reflect the views, policies and practices of Mutual Trust Life Insurance Company. All comments, opinions, and statements posted to this page remain the sole responsibility of those who created them.

PERSONAL INFORMATION: Any comment made by you on this forum is public and not private. You must not reference any policy, claim or personal information. If you need insurance related assistance or have a question regarding an insurance matter, please contact your agent or Mutual Trust Life Insurance Company.

YOUR COMMENTS: Mutual Trust Life Insurance Company maintains a permanent right to use, distribute, change, reproduce or display any comments made by you on this site for its own business purposes.

RIGHT TO DELETE: Mutual Trust Life Insurance Company reserves the right to ban any participant or delete any comment made by anyone, at any time and for any reason.

OTHER PAGES AND WEBSITES: Mutual Trust Life Insurance Company is not responsible for and does not endorse the content on or available from other pages on Facebook.com or any third party website. Mutual Trust Life Insurance Company is not responsible for the terms of use or privacy or security policies at any third party site that may be linked to these pages. Your use of any third party site is at your own risk.

COMPLAINTS AND INQUIRIES: You should direct any complaint or inquiry you may have to 1200 Jorie Boulevard, Oak Brook, Illinois 60523 or contact us at (800) 323-7320.

INDEMNIFICATION: You agree to indemnify and hold Mutual Trust Life Insurance Company, its subsidiaries, affiliates, officers, agents, employees, partners and licensors harmless from any claims or demands made upon them, which may include reasonable attorneys' fees, based upon your comments, actions, participation or use of this page.

POSTINGS: Comments should be limited to the specific topic, at hand. You are strictly prohibited from posting marketing materials, spam, commercial messaging, links to sites that contain viruses or malicious software, anything obscene or otherwise objectionable, comments that may be deemed as harassment, threats or abuse to others, or any content protected by copyright, trademark or other rights.

GOVERNING LAW: By using this site, you agree that any actions related to such use will be governed by the laws of the United States, State of Illinois. You will be subject to jurisdiction in the United States, State of Illinois.

RIGHT TO MODIFY OR DISCONTINUE: Mutual Trust Life Insurance Company reserves the right to alter, modify, or discontinue this service, or any part of it, at any time.

Our Commitment to Accessibility

Mutual Trust Life Insurance Company is committed to making our website's content accessible and user friendly to everyone. If you are having difficulty viewing or navigating the content on this website, or notice any content, feature, or functionality that you believe is not fully accessible to people with disabilities, please call our Sales Development team at (800) 323-7320, ext. 5140 or email our team at SalesDevelopment@mutualtrust.com with “Disabled Access” in the subject line and provide a description of the specific feature you feel is not fully accessible or a suggestion for improvement. We take your feedback seriously and will consider it as we evaluate ways to accommodate all of our customers and our overall accessibility policies. Additionally, while we do not control such vendors, we strongly encourage vendors of third-party digital content to provide content that is accessible and user friendly.

How to Protect Yourself

Identity Theft

Identity theft happens when a criminal obtains your personal information to steal money from your accounts, apply for loans, and commits other crimes—all using your identity. If you are a victim of identity theft or account theft, contact your local police and ask to file a report. You may also file a complaint with the Federal Trade Commission (FTC). The FTC's identity theft hotline toll-free is 877-IDTHEFT (438-4338). The hotline is staffed by counselors trained to help victims and take their complaints. You may also file a complaint online at:


You may also wish to call the fraud departments of all three credit bureaus and ask them to put a "fraud alert" on your file. This tells the creditors to call you before they open any more accounts in your name.

Equifax: 1-800-525-6285
Experian: 1-888-397-3742
TransUnion: 1-800-680-7289

Fraud Reporting

Many states actively prosecute insurance fraud through established fraud bureaus. We urge you to visit your state's department of insurance Web site for information about insurance fraud specific to your state. Also, the following organizations maintain Web sites that provide information about the problem of insurance fraud:
  • Association of Certified Fraud Examiners
  • Coalition Against Insurance Fraud
  • National Fraud Information Center
  • National Healthcare Anti-Fraud Association
  • Health Insurance Association of America
PLEASE NOTE: This Security Center may be changed from time to time. We will notify you of any changes by modifying this Web site. We recommend that you review this section periodically for change.
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