Company News

September 27, 2017
We Care about the Security of Your Information

That's Why We No Longer Support Windows XP

Microsoft stopped supporting its Windows XP operating system in 2014. This means that if you're using Windows XP, Microsoft is no longer providing automatic updates to help protect your PC and other electronic devices from security risks and viruses. This lack of support has the potential to put your data at risk.

Because Microsoft is no longer supporting Windows XP, we can no longer support it either. Therefore, if you try to access our website,, using Windows XP, you may experience problems or may not be granted access to the site. The solution? Microsoft recommends that its customers upgrade their operating system to Windows 10. Protecting data is important to us. Act now and join us in the fight to increase cybersecurity.

To learn more about Horizon Guarantee and what it could offer you, contact your Mutual Trust Representative, or click here to find a representative.

September 20, 2017
Introducing Horizon Guarantee™

Guaranteed Death Benefit at a Guaranteed Cost-effective Premium!

Horizon Guarantee™, our new participating whole life product, provides the guaranteed financial security you need and want for your loved ones at a guaranteed level premium that's often lower than other whole life premiums. With Horizon Guarantee, guaranteed cash value and non-guaranteed dividends build in later years and can be used to supplement income in retirement, offset the premium, or for any reason you choose. It can be a good choice for anyone who wants a guaranteed death benefit; cost-effective, guaranteed premiums; and guaranteed growth of cash value; and whose first priority is death benefit protection.

In addition to guarantees, Horizon Guarantee provides non-forfeiture benefits, including term or reduced paid-up insurance if your plans change. It also offers an Accelerated Death Benefit Rider (with Chronic and Terminal Illness provisions) at no additional premiums, and the flexibility of customizing your policy by adding optional riders and benefits to fit your specific needs.

To learn more about Horizon Guarantee and what it could offer you, contact your Mutual Trust Representative, or click here to find a representative.

July 26, 2017
Attention: Illinois Policyholders

Due to the recent flooding in Illinois, the Illinois Department of Insurance has asked us to take special action for our Illinois policyholders affected by the floods. Effective immediately, Mutual Trust withdraws any cancellation or nonrenewal notice that was issued on or after July 12, 2017 to an affected policyholder. Furthermore, Mutual Trust will not issue any new cancellation or nonrenewal notices to affected policyholders until September 30, 2017, or a later time if deemed reasonable given to a consumer's circumstances. Finally, Mutual Trust extends all policy provisions or other requirements that impose a time limit for a policy owner, insured or claimant in Illinois for a minimum of 60 days from the last date allowed under the terms of the contract or normally mandated by Mutual Trust.

If an Illinois consumer needs to file a complaint with the Illinois Department of Insurance regarding any disaster-related dispute or issue, he or she may do so by calling the Department's complaint hotline at 1-866-445-5364 or filing a complaint online at

September 30, 2016
A.M. Best Upgrades Mutual Trust's Credit Rating to
A (Excellent)

A.M. Best upgraded Mutual Trust Life Insurance Company's Financial Strength Rating (FSR) to A (Excellent) from A- (Excellent) September 29, 2016. According to A.M. Best, the upgrade reflects the rating agency’s view of the successful integration of Mutual Trust Financial Group and the Pan-American Life Mutual Holding Company after the November 2015 merger, as well as "the strategic importance of Mutual Trust as the functional focal point of the domestic life business of the consolidated entity."

Click here to view A.M. Best's Rating Report.*

"This rating action, less than one year after the merger, is a strong indication of the significance of being part of a larger organization that has a diversified product portfolio and a commitment to exceptional financial strength," explains Steve Batza, FSA, MAAA, CLU, ChFC, President and CEO of Mutual Trust Life Insurance Company. "Mutual Trust is proud to be leading the growth of Pan-American Life Insurance Group's (PALIG) U.S. Life Business," Batza adds.

On September 29, A.M. Best also reaffirmed Pan-American Life Insurance Company's FSR of A (Excellent). According to A.M. Best, this reaffirmation reflects the benefits derived from the company’s long-established presence and name recognition in Latin America and the U.S.-Hispanic marketplace, as well as an improved balance sheet and income statement, solid consolidated risk-adjusted capitalization, a well-performing fixed-income investment portfolio, and positive net operating performance.

"As we approach the first anniversary of the merger, these ratings are further confirmation that as one company, we are stronger than ever," concludes José S. Suquet, PALIG's Chairman of the Board, President and CEO. "I am confident that the road ahead will see us attain even greater heights."

Click here to view A.M. Best's Rating Report.*

Click here to view the press release from A.M. Best.

* 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,

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