Discover What s Possible

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Discover

What’s

Possible

Flexible Choice

^SM

Whole Life

for Individuals and Families

Fl ex ib le C ho ic e

SM

W ho le L ife

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“Iwanttobe

adoctorwhen

Igrowup.”

Life is filled

with possibilities

As the path of life unfolds,

life insurance may be the

most protective, responsible

action you can take to

ensure a world of possibilities

for you and your family for

generations to come.

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Flexible Choice Whole Life provides you with financial

security and growth through an affordable array of choices

to protect and build your money.

You can customize your coverage to meet your personal

wants and needs while getting the guaranteed protection

of whole life insurance.

You can open a world of possibilities for you and your

family — such as paying for college, building retirement

income, starting a business or following a dream.

Whole Life Guarantees

Whole life insurance is a

proven, essential solution that

can provide the guaranteed

protection you need while

helping you achieve your goals

and dreams.

Whether you are starting a family,

thinking about putting the

children through college or

planning for a secure retirement,

whole life insurance offers you:

✓ Guaranteed death benefit

to protect your loved ones

✓ Guaranteed policy cash

value accumulation you

can access when you need it

✓ Guaranteed level

premiums to support

personal budgeting

✓ Income potential through

dividend payments.

Imagine the possibilities

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Flexible choices

to meet your needs

Flexible Choice offers

added benefits for your

whole life

✓ Options to maximize

your protection

and minimize your

early costs

✓ Flexible access to

policy cash value

for life’s needs

✓ Options that secure

protection if you

can’t work

Flexible Choice Whole Life supports your life’s goals by providing death benefit protection and cash value accumulation. It also offers the unique potential for additional cash through policy dividends, a partial return of premiums paid when the company’s claims, expenses and/or investment returns are more favorable than expected.

Flexibility to get the coverage you need

You can pair your Flexible Choice policy with term insurance to help minimize your early costs and maximize your death benefit. Level premiums and payment duration options can help you manage your budget.

Guaranteed protection

You can protect your loved ones and ensure your beneficiaries will receive a guaranteed, income-tax-free death benefit that will help protect their lifestyle. You can take advantage of optional policy riders that help you keep your protection intact if you become disabled and can’t pay your premiums. Choices to access your cash value

You can build assets through policy cash value accumulation that offers guaranteed growth without market risk. You can access the policy cash value you have accumulated for any reason — or simply have peace of mind knowing your money will be there when you and your family need it. You can take any policy dividends you earn as cash, apply them to your policy to increase your death benefit or reduce your premiums or leave them in the policy to earn interest until you need the funds.

Preservation for the future

You can help ensure the financial security of future generations through your actions today. For example, you can directly help your children and grandchildren by gifting them their own life insurance policies. The cash value the policy builds can help them fund their college tuition and shape their possibilities in life.

Allguaranteesarebasedontheclaimspayingabilityoftheissuer.Dividendsare notguaranteed.Accessingcashvaluesmayresultinsurrenderfeesandcharges, mayrequireadditionalpremiumpaymentstomaintaincoverageandwillreduce thedeathbenefitandpolicyvalues.

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Discover the possibilities

Ask Your

Financial

Professional

What’s Possible

Protect and Pursue What Matters Most

Buy a Home

Help Your Favorite Cause

Give Yourself a Retirement Paycheck

Help Your Grandchildren

Fund Your Children’s Education

Help Your Parents

Advance Your Education

Create a Business

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Flexible Choice Whole Life delivers the guaranteed protection and growth you need. An array of optional benefits and riders lets you customize your policy to meet your unique needs.*

Flexibility

∆ Flexible Protection Rider blends term insurance with your whole life policy to help lower the cost of coverage and help you build a larger death benefit.

∆ Accelerated Permanent Paid-Up Additions Rider periodi cally pays extra premiums to help you replace your term insurance faster.

∆Enhanced Permanent Paid-Up Additions Rider lets you increase your death benefit and build cash value more rapidly by purchasing additional paid-up whole life insurance.

∆ Paid-up age option offers you a choice of two ages at which your coverage will be “paid-up” and no further premiums will be required.

Security

∆Overloan Protection Rider keeps your coverage intact despite outstanding loans.

∆ Disability Waiver of Premium Rider preserves your coverage if you cannot work in your occupation for two years, or in any occupation after two years.

∆Enhanced Disability Waiver of Premium Rider keeps your policy in force for six years if you cannot work in your occupation—longer if you can’t work at all.

∆Accelerated Death Benefit allows you to access a portion of your death benefit during your lifetime if you are diagnosed with a terminal illness.

∆Chronic Illness Accelerated Benefit** allows you to receive a portion of your policy death benefit if you suffer from a chronic illness.

Guarantees

∆Accidental Death Benefit guarantees an additional death benefit if you die as the result of an accident.

∆ Children’s Term Insurance Agree ment can be purchased to cover all of your children, and each covered child is guaranteed the opportunity to convert their child coverage to a permanent policy when they reach age 23.

∆Guaranteed Purchase Option allows you to increase your coverage at certain

“option dates” without having to submit medical evidence of insurability.

Customized

to unlock life’s

true value

*Optionalridersandbenefitsmaybesubjecttoeligibilityandunderwritingrequirements,additional premiumrequirementsand/orminimumormaximumcoverageamounts.Availableridersandrider provisionsmayvarybystate.Foradditionalinformation,askyourfinancialprofessional.

**InTX,Long-TermCareAcceleratedBenefit

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Unlock the possibilities

Why Penn Mutual?

AtPennMutual,weare singularlycommittedto helpingfamiliesunlockthe possibilitiesoflifethrough ourlifeinsuranceand annuitysolutions. Wehaveneverfailedto meetanobligationtoa policyholder.

Wehavethefinancial strengthandstabilityto standbehindourguarantees andwearecommittedto thebrighterfuturesand bestinterestsofallofour policyholders.

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Allguaranteesarebasedontheclaimspayingabilityoftheissuer.FlexibleChoiceWholeLifeisawholelifeinsurancepolicyofferedbyThePennMutualLifeInsurance Company.Productorfeaturesmaynotbeavailableinallstates.Policyformnumbers:TL-08(S)andTL-08(U).(Policyformnumbersmayvarybystate.)

AnyreferencetothetaxationoflifeinsuranceproductsinthismaterialisbasedonPennMutual’sunderstandingofcurrenttaxlaws.Youshouldconsultaqualified taxadvisorregardingyourpersonalsituation.

Accessingcashvaluesmayresultinsurrenderfeesandcharges,mayrequireadditionalpremiumpaymentstomaintaincoverageandwillreducethedeathbenefit andpolicyvalues.