About Us Mutual Trust

Mutual Trust Life Insurance Company

Mutual Trust Life Insurance Company, a Pan-American Life Insurance Group Stock Company, develops, underwrites, and services individual life insurance and annuities in 49 states and the District of Columbia.* The company was founded in 1904 on the principles of mutuality and policyholder participation, values Mutual Trust still embraces today.

In 2015, Mutual Trust became a wholly owned subsidiary of Pan-American Life Insurance Group (PALIG), a leading provider of insurance and financial services throughout the Americas. It continues to operate within a mutual holding company structure, so while dividends are not guaranteed nor required by law, our financial strength and sound management has enabled us to pay them to owners of our participating products for more than 100 years.

Financial Facts about Mutual Trust (2016)

  • Ratings:
    • "A" with a Stable Outlook from Fitch
  • Maintained risk-based capital ratio in excess of 600%
  • Maintained 2017 dividend scale despite continued low-interest-rate environment
  • Sales increased by 16%
  • Capital of more than $900 million and assets of more than $5.5 billion combined with PALIG

Learn more about Mutual Trust

* Products not available in New York
** The Best's Rating Report(s) reproduced on this site appear under license from A.M. Best and do not constitute, either expressly or implied, an endorsement of (Licensee)'s products or services. A.M. Best is not responsible for transcription errors made in presenting Best's Rating Reports. Best's Rating Reports are copyright© A.M. Best Company and may not be reproduced or distributed without the express written permission of A.M. Best Company. Visitors to this web site are authorized to print a single copy of the Best's Rating Report(s) displayed here for their own personal use. Any other printing, copying or distribution is strictly prohibited.

Best's Ratings are under continuous review and subject to change and/or affirmation. To confirm the current rating, please visit the A.M. Best web site, www.ambest.com.

More about Mutual Trust

Annual Report

Current Openings

Join Our Independent Sales Force

Find an Insurance Representative

Form No. 190