Dividends = Divisible Surplus

MTL's value proposition is a combination of its high-performing products, outstanding service from producers and home office staff, and strong financial position. Our financial strength continues to remain solid due to a highly diversified portfolio of investments, good ratings, and an NAIC capital ratio that, for year-end 2014, is more than five times greater than the Company Action Level as defined by the NAIC Risk Based Capital formulas.

One of the major advantages of owning participating whole life insurance is the tax-deferred growth of guaranteed cash value. The buildup of these values can help you develop a solid foundation for protecting assets and building wealth. Dividends, which are never guaranteed, are paid out of an insurance company’s divisible surplus, after it’s set aside the funds required to cover its contractual obligations—primarily increases in guaranteed cash value—and operating, contingency and business expenses.

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. Our century-long record of consistently paying dividends confirms our commitment to you. The real advantages of MTL’s participating whole life products, however, remain its strong guarantees. They’re our promise to you.

Sign Up for Our Newsletter!

To receive Mutual Trust's quarterly enewsletter, sign up for our free Online Policy Manager, where you can view your policy and more!