Mutual Trust Life Solutions

Who We Are

At Mutual Trust, we specialize in financial solutions that provide our clients with security and peace of mind.

Mutual Trust was founded over a century ago on the principles of mutuality and policyholder participation, values we continue to embrace today. In 2015, we became a member of Pan-American Life Insurance Group (PALIG), a leading provider of life, accident, and health insurance. The resulting partnership and Mutual Trust Life Solutions brand deliver on our commitment to exceptional service, and are backed by the financial strength and sound governance trusted by millions of customers across the Americas.

Our Mutual Advantage

Mutual Trust Life Solutions operates within a mutual holding company structure, prioritizing the needs and well-being of our policyholders. Our policyholders enjoy voting rights, granting them more control over the future of their finances, and the potential for dividends.

Historically, Mutual Trust has been able to pay dividends to owners of participating products for over 110 consecutive years!

Whole Life Solutions You Can Trust™

As much as you may try, there are things in life that are simply out of your control. In a world of volatility, Mutual Trust’s whole life product solutions provide our clients with certainty through lifetime guarantees: guaranteed premiums, guaranteed cash values, and guaranteed death benefits.

Mutual Trust Life Solutions insurance policies are issued by Pan-American Life Insurance Company, a division of PALIG.

Our Values and Company Culture

Authenticity | Transparency | Accountability | Teamwork | Integrity

Our values are top of mind in everything we do. By including each in our semi-annual performance assessments, we never stop working to preserve our values-driven culture, starting at the very top.

Mutual Trust strives to uphold a professional environment that nurtures the talents of our employees, strength of our management, and betterment of our community – for the benefit of our all our stakeholders.

Our Ratings

We take pride in the way we do business, and that includes an informed financial strategy that endeavors to protect your assets while building a legacy for future generations.

Don’t take our word for it. Review Pan-American Life Insurance Company’s credit ratings below:
  • "A" (Excellent) from AM Best
    AM Best is a large third-party independent reporting and rating company that rates an insurance company on the basis of the company’s financial strength, operating performance and ability to meet its ongoing obligation to policyholders.

  • "A" (Strong) Insurer Financial Strength with Stable Outlook from Fitch Ratings
    The Insurer Financial Strength (IFS) Rating provides an assessment of the financial strength of an insurance organization.

* Products not available in New York

More about Mutual Trust

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