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June 24, 2020 25 min

Jim Hebets, President and Founder of The Hebets Company, shares his thoughts on the comeback of variable universal life and why Penn Mutual’s one-size-fits-all variable universal life product can be an ideal solution for clients at any stage of life. 

All guarantees are based on the claims-paying ability of the issuer. Variable universal life are sold by prospectus, which contains detailed information about investment objectives and risks, as well as charges and expenses that investors should carefully consider. You should read the prospectus carefully before you invest or send money to buy a variable universal life policy. The prospectus is available from the insurance company or from your financial professional. Variable universal life subaccounts will fluctuate in value based on market conditions and may be worth more or less than the original amount invested if the variable universal life is surrendered.  The investment options of Penn Mutual’s variable universal life policy are available only through the Penn Mutual line of variable insurance products which are subject to market risk and may lose value.  Withdrawals will reduce the death benefit amount; may be subject to income taxes and surrender charges; and, when taken before age 59 ½, may be subject to an additional 10 percent (10%) federal penalty tax. Availability and rider provisions may vary by state. Product and features may not be available in all states. 

References to the taxation of life insurance products in this material are based on Penn Mutual’s understanding of current tax laws. Consult a qualified tax professional about your personal situation. Penn Mutual’s variable products are primarily offered through Hornor, Townsend & Kent, LLC (HTK), Registered Investment Advisor, Member FINRA/SIPC, 600 Dresher Road, Horsham, PA 19044, 800-873-7637 . HTK is a wholly owned subsidiary of The Penn Mutual Life Insurance Company. Jim Hebets, President and Founder of The Hebets Company is an independent agent of Penn Mutual and unaffiliated with HTK.

For Financial Professional Use Only
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