| Worrying about Paying for Your Children's College Education?
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| Springtime—it's the season of renewal, as birds return to our gardens, flowers and trees start to bloom around us, and the grass begins to turn green and lush. If you have children in high school, it's also the time you may start seriously thinking about how you're going to pay for college. Whole life insurance may help. Click here to learn more. |
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| There Are Benefits to being Flexible...Even When You Select a PUA Rider |
Having a paid-up additional (PUA) insurance rider on a whole life policy can be useful because it offers you an easy way to increase the value of your policy. When a PUA rider is combined with the policy's basic coverage, it increases the amount of in-force death benefit and cash value in the policy. Because life is unpredictable, and some years you may have more money and reasons to buy additional insurance than others, MTL's Flex Pay PUA rider may be for you. To learn more about adding it or changing your annual PUA to a Flex, click here.
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| Insurance for Life: Benefits of Working Closely with an Advisor |
The following is a true story of how a family has benefited for decades from both MTL life insurance products and the advice they receive from their MTL life insurance advisor.
In 1993, Randy was a 37-year-old married man with a wife and young children. At the time, his life was similar to many people's. With a growing family dependent on his income, he knew he needed as much life insurance as he could buy, but he also needed to be mindful of costs because of the expense of raising his family. Click here to see the advice he received from his insurance advisor
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Start Eliminating Debt Now and Begin Planning for a Great Retirement
Tips from Marketing General Agent Larry Mclean, Your Family Bank® |
At Mutual Trust, we take great pride in building long-term relationships with you, our policyholders, and the knowledgeable and dedicated independent insurance representatives who work with us to provide you exemplary service. These professionals can offer ongoing financial information and help you implement plans to meet your changing financial needs. To learn how agents from Your Family Bank® are using MTL products to help their clients eliminate debt and plan for retirement, click here. |
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| Interest Rates and Dividends |
Divisible Surplus—
One of the major advantages of owning participating whole life insurance is the tax-deferred growth of guaranteed cash value. The buildup of these values can help you develop a solid foundation for protecting assets and building wealth. Dividends, which are never guaranteed, are paid out of an insurance company’s divisible surplus, after it’s set aside the funds required to cover its contractual obligations–primarily increases in guaranteed cash value–and operating, contingency and business expenses.
Click here to see how rates affect dividends. |
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| 1099-INT and 1099-R: What Are They? Why Are They Sent? |
Each year approximately 20% of MTL policyholders received 1099 forms. Copies of these forms, which report income generated by an insurance policy, are not only provided to the taxpayer of the designated distribution reflected on the form, but the Internal Revenue Service and the appropriate state, city or local tax department. Click here to learn more about 1099's.
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