Accumulation Builder Flex IUL (launched 2020)

Penn Mutual Life Insurance Company

Financial Strength A+
IUL Experience 20 years
Policy Portfolio 2 products

Compare IUL Policies Schedule Strategy Call

Founded

1847

Assets

$39.3 billion

AM Best

A+

Participating

120%

Financial Strength Ratings

AM Best A+

S&P Not disclosed

Moody's Not disclosed

Product Benchmarks

Typical Cap Range

Min: 9% | Max: 13% | Current average: 10.5%

Participation Rates

Min: 100% | Max: 140% | Current average: 120%

Typical Fees

Coi range: Moderate | Admin fee: $12/month | Premium load: 3-6%

About Penn Mutual Life Insurance Company

175+ year history with mutual structure

Record $265 million dividends (2025 - highest in history)

Contractually locked 6% policy loan rate for life

Guaranteed 1% minimum interest growth

Paid dividends during Great Depression and Recession

Second oldest mutual company in America

Company Profile

Headquarters

Horsham, Pennsylvania

Founded

1847

Years in IUL

20 years

Assets Under Management

$39.3 billion

Minimum Premium

$3,600 annual

Issue Ages

0-80

Underwriting Speed

3-5 weeks standard

Website

www.pennmutual.com

Financial Ratings

AM Best A+

S&P Not disclosed

Moody's Not disclosed

These ratings indicate excellent financial strength and claims-paying ability.

IUL Policies from Penn Mutual Life Insurance Company

Explore comprehensive Indexed Universal Life insurance solutions

How to Compare: Check the boxes on any 2 policies below, then click "Compare Now" in the green bar that appears.

IUL Policy

Accumulation Builder Flex IUL

Indexed Universal Life solution focused on compounding tax-advantaged cash value.

Cap Rate Varies: 9% to 13%

Floor Protection 0%%

Participation Varies: 100% to 140%

Minimum Premium $3,600 annual

Issue Ages 0-80

175+ year mutual company history
Record $265 million dividends (2025)
Contractually locked 6% policy loan rate
Index options: S&P 500, Multiple index strategies

View Full Details

IUL Policy

Survivorship Plus Indexed Universal Life

Indexed Universal Life solution focused on compounding tax-advantaged cash value.

Cap Rate Varies: 9% to 13%

Floor Protection 0%%

Participation Varies: 100% to 140%

Minimum Premium $5,000 annual estimated

Issue Ages 0-80

Estate planning focus
Survivorship design
Mutual company benefits
Index options: S&P 500, Multiple strategies

View Full Details

Personalized Planning

Map Out Your Penn Mutual Life Insurance Company Strategy

Partner with fiduciary-aligned specialists to benchmark Penn Mutual Life Insurance Company against other carriers and design an IUL strategy around your goals.

Carrier benchmarking with transparent fee and rider analysis
Custom illustrations tailored to your cash-flow and retirement timeline
Step-by-step implementation with ongoing performance reviews

Speak with an Advisor Compare All Carriers Request Custom Illustration

Response within one business day

Frequently Asked Questions

Penn Mutual Life Insurance Company currently offers 2 IUL solutions that balance growth potential with downside protection. Our specialists will help you match product features to your retirement or legacy goals.

Penn Mutual Life Insurance Company maintains strong independent ratings including AM Best A+, demonstrating resilient balance sheet strength and consistent claims-paying ability.