Legacy One

Increase the Money You Leave Loved Ones While Maintaining Control of it During Your Life

Legacy One 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

Legacy One versus Other Financial Alternatives

Did you know that in addition to using Legacy One 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 Legacy One to tax-deferred and interest-bearing vehicles.5

To find out if Legacy One is right for you, contact your Mutual Trust Representative.

To locate an agent in your area, click here.

Base Policy Form No. 1 AP, 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

> Legacy One

> Riders

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Form No. 190