A Pan-American Life Insurance Group Stock Company

Mutual Trust Increases Its Dividend Payout for 2016

Mutual Trust has increased its dividend payout for 2016. The dividend changes will be effective on participating in-force policies starting February 1, 2016.

Our Commitment to You

At Mutual Trust, we take great pride in delivering outstanding guaranteed values to our policyholders. Although dividends are not required nor guaranteed, we view them as an important added benefit to the strong policy guarantees of our participating whole life products. As a result, we are pleased to be able to increase our dividend payout in 2016.

This increase, which comes during a period of ongoing turbulence in the economy and continually falling interest rates, is due to our excellent financial results through the first three quarters of 2015, improved mortality experience on our currently issued products and the additional capital flexibility resulting from our merger with Pan-American. The increased dividend payout is due not only to the normal increases that occur within a dividend scale as the policies age, but also a slight increase in the scale for currently issued products as a result of the positive mortality trend.




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Form No. 190