Raymond Caucci

Senior Vice President, Product Management and Underwriting
    Connect with Raymond:
Raymond Caucci

Mr. Caucci joined Penn Mutual in 1986. In his current role as Senior Vice President, Product Management and Underwriting he is responsible for overseeing underwriting and mortality management, product development, and inforce product management.

Mr. Caucci is a Fellow of the Society of Actuaries, a member of the American Academy of Actuaries, Chairman of the Pennsylvania Life and Health Insurance Guaranty Association Board of Directors and a member of The American College Alumni Board. Ray holds a Bachelor’s of Science in Actuarial Science from The Wharton School of the University of Pennsylvania, along with a Chartered Financial Consultant (ChFC) designation from The American College of Financial Services.

Stories by Raymond Caucci

Yes, Millennials Can Qualify for Life Insurance

By Raymond Caucci | September 5, 2017

According to research by LIMRA , 41 percent of millennials think they don’t qualify for life insurance. I find that shocking, and I take it as a challenge. We in the insurance industry need to do a better job communicating the value of life insurance to younger generations. Ironically, millennials are probably among the best possible candidates for life insurance.

Why Buy Life Insurance After Age 65?

By Raymond Caucci | February 1, 2017

While life insurance is sometimes seen as something only young people need – when someone has a young family, a mortgage, and an income to protect – people over age 65 are increasingly looking to buy life insurance. Here’s why that makes sense.

Is Your Employer-Provided Life Insurance Enough?

By Raymond Caucci | December 6, 2016

The group life insurance provided by your employer is certainly an attractive option. You get it for free (or for just the income tax on the economic benefit of coverage over $50,000), and there are no medical evaluations. But is this insurance really enough? There are five reasons that employer-sponsored group insurance may not be enough.

When Should I Borrow from My Life Insurance Policy?

By Raymond Caucci | September 15, 2015

Banks will loan you money when you don’t need it but won’t give you a dime when you do. There’s a better way: Borrow money from the cash value of your life insurance.

Life Insurance Basics: How to Choose the Right Policy

By Raymond Caucci | July 28, 2015

It’s actually a good thing there are so many different types of life insurance: Everyone’s life is different, and even then, people’s needs change over the course of their lives.

Five Reasons to Give the Gift of Life Insurance

By Raymond Caucci | June 9, 2015

When someone is graduating from high school or college, or getting married, this is a great opportunity for a parent or a grandparent to purchase life insurance on the individual.

Do You Need Life Insurance When You Retire?

By Raymond Caucci | February 10, 2015

The traditional thinking about life insurance is that you only need life insurance when you have an income to protect, when you have a mortgage, or when you have kids to support. Once you hit 65 and retire, says the myth, you don’t need life insurance. That is not true.

Five Things You Didn’t Know Life Insurance Could Do

By Raymond Caucci | September 2, 2014

When most people think of life insurance, they focus on the death benefits of life insurance, and don’t even know that a permanent policy can provide so much more.