<h5>A whole life game-changer</h5>
See how a direct recognition loan approach can help you choose whole life products that align best with your clients&rsquo; long-term goals.
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<li class="no-icon">&nbsp;&nbsp;<a href="https://sas.pennmutual.com/secure-asset-service/file/delivery/gatewaycom/products/life/t4613.pdf" target="_blank">Direct Recognition Competitive Case Study (T4613)</a>&nbsp;&nbsp; </li>
<li class="no-icon">&nbsp;&nbsp;<a href="https://sas.pennmutual.com/secure-asset-service/file/delivery/gatewaycom/products/life/t4566.pdf" target="_blank">Why Direct Recognition Matters More Than Ever (T4566)</a>&nbsp;&nbsp; </li>
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View our life portfolio brochure

Learn more about ACE

Our diverse product portfolio includes Individual and Survivorship Whole Life products.
<h4>Guarantees and flexibility features</h4>
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<li>Strong death benefit, accumulation and premium guarantees</li>
<li>A range of paid-up period options</li>
<li>Optional riders for enhanced coverage or flexibility</li>
<li>The opportunity to earn non-guaranteed dividends annually</li>
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Our diverse product portfolio includes Individual and Survivorship Whole Life products.

Our diverse product portfolio includes Individual and Survivorship Whole Life products.

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<h5>A whole life game-changer</h5> See how a direct recognition loan approach can help you choose whole life products that align best with your clients&rsquo; long-term goals. <div class="custom-list jump-links with-border"> <ul> <li class="no-icon">&nbsp;&nbsp;<a href="https://sas.pennmutual.com/secure-asset-service/file/delivery/gatewaycom/products/life/t4613.pdf" target="_blank">Direct Recognition Competitive Case Study (T4613)</a>&nbsp;&nbsp; </li> <li class="no-icon">&nbsp;&nbsp;<a href="https://sas.pennmutual.com/secure-asset-service/file/delivery/gatewaycom/products/life/t4566.pdf" target="_blank">Why Direct Recognition Matters More Than Ever (T4566)</a>&nbsp;&nbsp; </li> </ul> </div>

Guaranteed Whole Life II

Allows access to a portion of the death benefit if terminal illness strikes. For survivorship policies, the benefit is available only for the last surviving insured. Automatically included at issue.

Allows access to a portion of the death benefit if chronic illness strikes. For survivorship policies, the benefit is available only for the last surviving insured. Automatically included at issue with most permanent life policies. Resources: <a href="/static-assets/files/2020/pm8717.pdf" target="_blank">Client Brochure</a>* | <a href="https://sas.pennmutual.com/secure-asset-service/file/delivery/gatewaycom/2021/t4363.pdf" target="_blank">Rider Guide</a> | <a href="https://sas.pennmutual.com/secure-asset-service/file/delivery/gatewaycom/2020/t3819.pdf" target="_blank">Competitive Edge</a> *To access this brochure on RR Donnelley, please <a href="https://www.pennmutual.com/pmlwebsite/ssoredirect?target=https://sso.custompoint.rrd.com&amp;ssosite=rrd" target="_blank">click here</a>.

Allows the replacement of an insured with another insured who has the same relationship to the policy owner. For a joint policy, provides flexibility to change one of the insureds. Automatically included with all single life business planning policies and all survivorship policies.

Permits policy owners with the Flexible Protection Rider to make extra payments in order to more rapidly replace the term life portion of coverage with paid-up whole life insurance. Not available with the Enhanced Permanent Paid-Up Additions Rider. GWL II PUA Rider Charges/Loads (% of Premium): Year 1: 10%, Years 2+: 6%

Provides beneficiaries an additional death benefit if the insured dies as a result of an accident.&nbsp;

Waives all premiums if the insured becomes totally disabled. Not available with the Disability Waiver of Premium w/Automatic Conversion Rider or Disability Completion Benefit Rider.

Waives all premiums if the insured becomes totally disabled. Additionally waives all premiums for up to 6 years if the insured cannot work in their primary occupation and after that if totally disabled. Not available with the Disability Waiver of Premium Rider.

Increases the death benefit and policy cash value by allowing extra payments to purchase additional, paid-up whole life insurance. Not available with the Accelerated Permanent Paid-Up Additions Rider. GWL II PUA Rider Charges/Loads (% of Premium): Year 1: 10%, Years 2+: 6% SWL PUA Rider Charges/Loads (% of Premium): Year 1: 15%, Years 2+: 10%

Supports a larger death benefit at less cost by blending permanent whole life insurance with term life coverage that is replaced with permanent paid-up insurance over time. FPR Rider Charges/Loads (% of Premium): Year 1: 10%, Years 2+: 6%

Guarantees the ability to increase total coverage at specified ages or specified events, without medical underwriting.

Keeps a policy in force despite outstanding loans.

Provides a return of premium, minus a cost of insurance for the period covered, if the policy is surrendered within the first 5 policy years. For use on business cases only.

Guaranteed Whole Life II (GWL II) is a competitive whole life product that delivers strong protection, accumulation and premium guarantees with uncommon flexibility and control &ndash; plus options you&#39;re not likely to find elsewhere.

Survivorship Whole Life

Allows a joint policy to be divided into 2 individual policies in the event of divorce or certain federal estate tax changes. Automatically included at issue with survivorship policies. For use on personal cases only.&nbsp;

Helps offset estate taxes if a death occurs before policy ownership transfers to an irrevocable trust.

Survivorship Whole Life (SWL) is a competitive survivorship whole life product offering strong guarantees, payment options designed to fit a range of needs and budgets and a combination of automatically-included and optional riders that stands out from the competition.