A Pan-American Life Insurance Group Stock Company

Horizon Legacy™
Increase the money you leave loved ones while
maintaining control of it during your life

Horizon Legacy is a highly competitive, single premium, participating whole life insurance product that can help you increase, and even potentially double, the amount of money you leave your loved ones while maintaining access and control of it during your lifetime.1

With just one premium you'll enjoy:

  • Guaranteed life insurance protection.

  • Guaranteed, tax-deferred growth of cash values and non-guaranteed dividends.2

  • Access to cash throughout your life, to use in any way you choose, through loans and withdrawals of dividends.3

  • Guaranteed, income tax-free death benefit for your loved ones.4

Horizon Legacy versus Other Financial Alternatives

Did you know that in addition to using Horizon Legacy for permanent life insurance protection, you can also use it as a possible financial alternative? Here are items you may wish to consider when comparing Horizon Legacy to tax-deferred and interest-bearing vehicles.5

Graphic chart comparing Horizon Legacy benefits over tax-deferred vehicles and interest-bearing vehicles

To find out if Horizon Legacy is right for you, contact your Mutual Trust Representative.
(To locate one near you, click here.)

Base Policy Form ICC19 938, or state variation


Depending on premium paid and size of policy.


Dividends are never guaranteed nor required by law.

Loans and withdrawals of dividend values are subject to income tax on a last-in/first-out basis under a modified endowment contract (MEC). In addition, a 10% IRS penalty may be imposed on loans/withdrawal of dividend values prior to age 59-1/2.

See Policy Provisions for full details.

5) 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

> Horizon Legacy

> Riders

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Mutual Trust insurance representatives can help you achieve your short- and long-term financial goals. Don't wait; consult one today.

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Form No. 190