About Us


Mutual Trust Life Insurance Company was founded in 1904 on the principles of mutuality and policy participation. We are known as The Whole Life Company ® because while we provide a variety of individual life insurance and annuity product solutions, we believe that whole life is the foundation of a sound financial plan.

Over the years we have worked to maintain a portfolio of products designed to provide policyholders with protection, a stable way of managing their wealth, and financial strength. Our products are flexible and have the ability to serve the needs of a diverse range of clients in 49 states and the District of Columbia.*

In 2015, Mutual Trust became a wholly owned subsidiary of Pan-American Life Insurance Group (PALIG), a leading provider of insurance and financial services throughout the Americas. It continues to operate within a mutual holding company structure, so while dividends are not guaranteed nor required by law, our financial strength and sound management has enabled us to pay them to owners of our participating products for more than 100 years.

We strive to not only provide premier life insurance products but also exceptional customer service. We hold high standards for our field partners as well as our employees.

Let us help you build your business, grow your profitability and help provide your clients peace of mind. Click here to connect with a member of one of our Regional Sales Offices.


Mutual Trust enjoys solid ratings from independent rating agencies.

"A" (Excellent) from A.M. Best 1
A.M. 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 Outlook Stable from Fitch 2
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.
1 Third highest rating | 2 Third highest rating