A Pan-American Life Insurance Group Stock Company

Horizon Guarantee™
Providing guaranteed death benefit protection
at a cost-effective level premium

Horizon Guarantee, participating whole life insurance, provides a guaranteed death benefit at a guaranteed level premium that's often lower than other whole life premiums. It's a good choice for anyone whose first priority is death benefit protection and growth of cash value is of secondary importance. While Horizon Value is designed to build guaranteed cash value fast, Horizon Guarantee takes a different approach. Its guaranteed cash value and non-guaranteed dividends build in later years and can be used later to supplement income in retirement, offset premiums, or for any reason you choose.

Guaranteed death benefit at a cost-effective guaranteed
level premium, PLUS:

  • Guaranteed Cash Values and non-guaranteed dividends that grow tax-deferred.

  • Non-Forfeiture Benefits—including term or reduced paid-up insurance, if your plans change.

  • Accelerated Death Benefit Rider (with Critical, Chronic and Terminal Illness provisions)—available at no additional premium. This rider makes it possible to accelerate a portion of your policy's death benefit if the insured becomes critically, permanently chronically or terminally ill, providing funds at a time when your family might need it most.*

  • Flexibility of Customizing Your Policy—fit your specific needs by adding optional riders and benefits as recommended by your Mutual Trust Representative.

* Administrative and reduction fees are taken at the time of acceleration. See provisions for full rider details.

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

Base Policy Form No. ICC17 980, or state variation

Neither Mutual Trust Life Solutions, 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.

Mutual Trust Life Solutions insurance policies are issued by Pan-American Life Insurance Company.

Our Whole Life Products

> Horizon Value

> Horizon Guarantee

> Horizon Legacy

> Riders

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Form No. 190