Perspectives on Life

Protection & Possibilities

Many people view life insurance as only death protection. Realize the little-known living benefits of life insurance.

Latest Stories

Demystifying Life Insurance Underwriting

By Gretchen Dinucci | September 9, 2020

Once you decide to buy life insurance, you will likely find your application being reviewed by “the underwriters.” This step is a complete mystery to many people, and some of… Read More

A Consumer’s Guide to Life Insurance Terminology

By Penn Mutual | September 1, 2020

Life insurance is a pretty important product. You pay premiums throughout your life, and when you die, your beneficiary gets a sum of money. But over our industry’s long history,… Read More

What You Need to Know about Insurance Ratings, and Why A.M. Best and Moody’s Just Affirmed Ours

By Dave Raszeja | April 14, 2020

Now more than ever, understanding the role of insurance ratings agencies can help you feel confident in the decision you make when you purchase a life insurance policy. In fact,… Read More

Broadening the Appeal of Variable Universal Life Insurance through Flexibility and Protection

By Heather Yonosh | February 24, 2020

Variable universal life is permanent life insurance that offers payment flexibility and lifetime coverage as long as minimum payment requirements are met. For our part, Penn Mutual offers a broad… Read More

Rewarding Policyholders for Making Healthy Choices

By Gretchen Dinucci | January 8, 2020

More and more people are taking control of their health, and Penn Mutual looks to be a leader in the life insurance industry by recognizing and rewarding this change. Our… Read More

Navigating the Hidden Risks Emerging in the Indexed Universal Life (IUL) Marketplace

By Penn Mutual | August 5, 2019

New Indexed Universal Life (IUL) products are emerging in the marketplace and becoming increasingly popular. At first glance, these IUL products offer an opportunity for even more upside potential compared… Read More

Considerations when buying life insurance

By Penn Mutual | April 4, 2019

You’ve heard for years that you need to get life insurance. It’s kept you awake at night, and you’ve decided it’s finally time to really do something about it. What type of insurance do you need, and how much?

Dispelling the Myths of Life Insurance

By Michael Kane | September 18, 2018

Myths and fairytales are all well and good when we’re kids, but there may be some myths about life insurance that are preventing you from taking full advantage of its many benefits.

The 4 Discussions You Must Have About Life Insurance

By Al Dickens III | September 11, 2018

People don’t fully understand all that life insurance can do for them while they are alive. As a result, they miss out on the numerous benefits that make up what many have discovered to be “The Miracle of Life Insurance.” Sure, life insurance is best known for its death benefit protection, but that is often where the conversation seems to end. It is now time for everyone to resume the conversation regarding life insurance.

The Strategy of “Buy Term, Invest the Difference”

By Penn Mutual | September 4, 2018

In the decades since the idea of “buy term and invest the difference” first gained popularity, we’ve learned that this approach doesn’t work so well in real life. Here is the hard truth of buy term and invest the rest.