A Pan-American Life Insurance Group Stock Company

Flexible Products and Concepts Deliver Solutions to Meet Changing Needs

If you’re a member of a retail warehouse club—like Costco or Sam's Club—you may sometimes be overwhelmed by the abundance of products available for sale. While product variety is certainly one way to satisfy diverse needs, so is product flexibility.

At MTL, we know that your needs may be different from your neighbor’s and that your needs will probably change over time. So we’ve developed over 30 product concepts and nearly a dozen policy riders and benefits so you and your MTL Insurance Advisor can customize your policies and use them to satisfy your specific needs.

One Product—Multiple Uses

Did you know that you can use whole life insurance to help plan for your children’s college education—even if they are already in high school? Thinking about buying a car, taking your family on a dream vacation, or supplementing your retirement? You may not realize that you can access the money in your whole life insurance through policy loans throughout your lifetime for any purpose. Are you a business owner and need help with business planning—including buy/sell agreements? Then MTL and whole life insurance can help you in your business, too. And if liquidity, access, and control of your money during your lifetime is important to you, but you also want to leave a legacy to your loved ones, then our Smart Money Solution may be the answer.

Your MTL Insurance Advisor can help you use your existing MTL policies or add new ones to help you create the financial flexibility you need now and in the years ahead. Contact your advisor or our Policy Benefits Department today at 800-323-7320, ext. 5060, to get started.

*The Virtues ProjectTM is a global initiative to inspire the practice of virtues in everyday life. It has been honored by the United Nations as a "model global program for families of all cultures."

Policy Form No. 1BJ


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Form No. 190