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 Cheapest Life Insurance USA

MTL Insurance Company - Life Insurance

MTL Insurance Company - About the Company

MTL Insurance Company, formerly Mutual Trust Life Insurance Company, is one of the one-hundred oldest life insurance companies in the United States and has specialized in personal life insurance since its founding in 1904. Year after year, the living benefits paid to MTL policyowners have greatly exceeded the amount of death benefits. Now, more than $11.4 million was paid in death benefits to beneficiaries, including dependents and survivors, and more than $85 million was paid to policyowners in the form of living benefits.

Mutual Trust have consistently paid dividends every year since the company’s founding, through good economic times and bad—a solid record. Mutual Trust have over $1 billion in assets, and more than $5 billion of insurance in force. Mutual Trust's high adjusted surplus-to-asset ratio of 12.4% is a measure of their policyowners’ security.

Headquartered in Oak Brook, Illinois, MTL Insurance Company is licensed in 45 states and the District of Columbia. Over 275 sales and service offices are located throughout the nation. MTL’s representatives take great pride in providing prompt and thorough information and service.

Mutual Trust's proud tradition of outstanding financial strength assures the performance of guarantees made to their policyowners. MTL’s record of solid growth, excellent dividend payments, and conservative investment philosophy reflects care and concern for its policyowners.

MTL Insurance Company is dedicated to providing you with superior service and excellent products to meet varied financial goals. Mutual Trust provide high quality traditional, universal, and term life insurance products with plans that can be tailored to fit individual needs. Mutual Trust also offer deferred and immediate annuities for present or retirement needs. With their long history of dependable performance, integrity, financial strength, and outstanding service, there is nothing finer in life...


The Traditional Life Advantage

Life insurance is an important piece of your family’s overall financial plan. Traditional life insurance can help you accumulate cash and provide living benefits for life’s uncertainties.

Under current law, life insurance is one of the few ways left to achieve tax-deferred growth. It also provides a safety net for those you love in the event of your untimely death. It’s flexible and offers a lifetime of options. Consider the following reasons to include whole life insurance in your plans:

  • Tax-free survivor benefits to your beneficiary;
  • Death benefits can be guaranteed and are not subject to probate when paid to your beneficiary;
  • Access to policy cash values as a supplement to retirement income, education costs, mortgage payment acceleration, emergencies or other needs;
  • Social Security benefits are not reduced by withdrawals and loans;
  • Credited policy values are stable and not subject to market fluctuations;
  • A minimum interest rate on cash values is guaranteed;
  • Policy has nonforfeiture options;
  • As policy values grow, you can make partial withdrawals, up to the amount of premium paid, without incurring income taxes;
  • There is no requirement to begin withdrawals at age 70 1/2 ;
  • Your policy is self-completing if you become disabled and have purchased a disability waiver of premium benefit.
  • Living benefits, such as the Accelerated Benefit Rider, allow you to use a portion of your life insurance protection if a life-threatening illness occurs.


The Universal Life Advantage

Life insurance is an important piece of your family’s overall financial plan. Universal life insurance can help you accumulate cash and provide living benefits for life’s uncertainties.

Under current law, life insurance is one of the few ways left to achieve tax-deferred growth. It also provides a safety net for those you love in the event of your untimely death. It’s flexible and offers a lifetime of options. Consider the following reasons to include Universal life insurance in your plans:

  • Tax-free survivor benefits to your beneficiary;
  • Death benefits can be guaranteed and are not subject to probate when paid to your beneficiary;
  • Access to policy cash values as a supplement to retirement income, education costs, mortgage payment acceleration, emergencies or other needs;
  • Social Security benefits are not reduced by withdrawals and loans;
  • Credited policy values are stable and not subject to market fluctuations;
  • A minimum interest rate on cash values is guaranteed;
  • Policy has nonforfeiture options;
  • As policy values grow, you can make partial withdrawals, up to the amount of premium paid, without incurring income taxes;
  • There is no requirement to begin withdrawals at age 70 1/2;
  • Your policy is self-completing if you become disabled and have purchased a disability waiver of premium benefit.


Term Insurance Products*

SelecTerm
* Availability based on state
SelecTerm is Annual Renewable Term insurance coverage to age 98 with level premiums for the specified periods. It provides low cost, guaranteed level premium rates for the initial specified periods, with annually increasing guaranteed rates thereafter to age 98. SelecTerm is available with 10, 15, and 20 year specified periods. Policy sizes start at $50,000; $100,000 for preferred and preferred plus (non-tobacco only) classes.

Millennium Crown
Millennium Crown is designed to provide the benefits of permanent death benefit coverage, while minimizing your costs.

 

 

1200 Jorie Blvd.,
Oak Brook,
IL 60522-9060

http://www.mutualtrust.com

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