Cash Value

Latest Stories

Relationships and Values: Four Generations of Navigating the Unknown

By Tod Lashway | January 17, 2017

Last year, about this time, my father passed away. It was not unexpected, but I lost one of the formative people in my life – tall, strong, a disciplinarian, but he had a big heart beneath all the bluster. My mother showed me how to treat others with respect and dignity, to be considerate of others’ perspectives and well-being. Together, they taught us family values and responsibility for each other. Relationships and values.

Effective Planning with Life Insurance – Avoid These Common Tax Traps

By Eva Victor | July 12, 2016

Life insurance is a unique financial product that may provide needed liquidity during lifetime and upon death of the insured. The importance of life insurance is reflected in its favorable tax treatment. However, tax traps can frequently arise in structuring a policy and in common planning contexts.

Understanding Indexed Universal Life (IUL) Insurance

By Andrew Martin | November 17, 2015

Indexed Universal Life (IUL) Insurance is becoming an increasingly popular choice for many people. LIMRA reports that IUL now represents the majority of all Universal Life premiums, at 52 percent, and 20 percent of all individual life premiums. Here’s what you need to know about IUL.

College Planning for Kindergartners

By David O’Malley | September 22, 2015

It’s never too early to start planning for college, or too late. If you’re a parent of a kindergartner, here is what you need to know for planning for college.

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.

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.

Life Insurance and Small Business Succession Planning

By Margaret Muldoon | November 18, 2014

Small Business Saturday is a great reminder of the importance of small businesses to the health of our economy, but I think it’s also a good time for us to think about the health of our small businesses.

Hidden Dangers of Retirement: Taxation

By Lynn Nolan | October 28, 2014

There is this myth that when you retire you’re going to be in a lower tax bracket. Maybe you are, maybe you aren’t. Most people focus on saving money for retirement, but few put any planning into how to withdraw the money in the most tax-efficient way.

Understanding Your Life Insurance Policy: Why the Dividends Matter

By David O’Malley | October 21, 2014

In a few weeks, Penn Mutual will be declaring our annual dividend to our policyholders-something we’re very used to doing! In fact, we’ve paid a dividend every year since we were founded in 1847, a history we’re proud of.