Horizon Blend

Providing the guarantees and flexibility of whole life insurance and the cost savings of term Horizon Blend™, Mutual Trust's blended life insurance product, is a 50/50 mix of participating whole life and term insurance. This combination provides permanent protection, guaranteed growth of cash value for the life of the policy, and a guaranteed death benefit for 20 years* at a cost that's lower than our other whole life products. As a policyowner you'll enjoy the guarantees and flexibility of participating whole life insurance and the cost savings of term.

Attractive premiums and a guaranteed death benefit for 20 years,* PLUS:

  • Guaranteed Cash Value and Non-Guaranteed Dividends—that grow throughout the life of the policy and can be used later for any reason you choose, including supplementing income in retirement or offsetting the premium.

  • Conversion Option—allows you to exchange all or part of the term portion of the policy for a whole life policy without evidence of insurability during the first 20 years.**

  • Accelerated Death Benefit Rider (with Chronic and Terminal Illness provisions)—available at no additional premium. This rider makes it possible to accelerate a portion of your policy's death benefit if the insured becomes chronically or terminally ill, providing funds at a time when your family might need it most.***

  • Accelerated Death Benefit Rider (with Chronic and Terminal Illness provisions)—available at no additional premium. This rider makes it possible to accelerate a portion of your policy's death benefit if the insured becomes permanently, chronically or terminally ill, providing funds at a time when your family might need it most.*

  • Flexibility of Customizing Your Policy—fit your specific needs by adding optional riders and benefits as recommended by your Mutual Trust insurance Representative.

* The guaranteed death benefit can be continued beyond 20 years, though the term portion of the premium will increase annually. See policy language for full details.

**Or to age 70, if earlier. See policy language for full details.

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


Base Policy Form No. ICC18 981 and ICC18 990, or state variation

Neither Mutual Trust Life Insurance Company, nor independent agents or affiliates, offer legal or tax advice. For advice on taxes and legal issues, please consult a tax or legal expert of your choice.

Our Whole Life Products

> Horizon Value

> Horizon Guarantee

> Horizon Blend

> Legacy One

> Riders


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Form No. 190