Choosing life insurance

Latest Stories

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

The Hard Truth about “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.

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.

Understanding Indexed Universal Life (IUL) Insurance

By Penn Mutual | 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.

Six Questions You Should Ask When Buying Term Life Insurance

By Penn Mutual | September 9, 2015

One of the myths about term life insurance is that all term insurance is the same and that price is the only consideration in choosing a policy. That is not true.

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.

Demystifying Life Insurance Underwriting

By Gretchen Dinucci | June 16, 2015

If I wasn’t in the life insurance industry, I wouldn’t understand underwriting either, but there are really some very basic principles at work.

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.