About Us


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 Cuture

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.

Pan-American Life Insurance Group

Since 1911, Pan-American Life has been dedicated to being the first-choice partner for top rated life, accident and health insurance and employee benefits for local and multi-national companies, as well as individuals seeking trusted financial security. Guided by the success and strength of its over 100-year history, PALIG has established a track record as one of the most financially sound insurance companies. The company's heritage manifests a longstanding dedication to providing customers with innovative products and services to secure their future.

PALIG employs more than 1,950 worldwide and provides top-rated life, accident and health insurance, employee benefits and financial services in 49 states, the District of Columbia (DC), Puerto Rico, and the U.S. Virgin Islands. The Group's member companies offer individual and/or group life, accident and health insurance throughout the Americas in the United States, Latin America and the Caribbean. The Group has branches and affiliates in Costa Rica, Colombia, Ecuador, El Salvador, Guatemala, Honduras, Mexico, Panama, and 13 Caribbean markets, including Barbados, the Cayman Islands, Curacao and Trinidad and Tobago.

* Products not available in New York.