Mutual Trust Life Insurance vs F&G (Fidelity & Guaranty Life)
Comprehensive side-by-side comparison of indexed universal life insurance companies
Mutual Trust Life Insurance
Founded: 1905
Oak Brook, Illinois
Assets
$3 billion (Pan-American)
IUL Experience
3+ years
Products
1
Avg Cap Rate
9%
Key Strengths
Offers Vista Life IUL (launched 2024)
Known for Bank on Yourself strategies
120 years
F&G (Fidelity & Guaranty Life)
Founded: 1959
Des Moines, Iowa
Assets
$40 billion
IUL Experience
10+ years
Products
2
Avg Cap Rate
9.5%
Key Strengths
LIMRA Q2 2024: Top IUL provider ranking
Competitive historical performance
Quick policy delivery
Juvenile IUL specialty (15 days to 17 years)
Living benefits: accelerated death benefits
Detailed Feature Comparison
| Feature | Mutual Trust Life Insurance | F&G (Fidelity & Guaranty Life) |
|---|---|---|
| Founded | 1905 | 1959 |
| Headquarters | Oak Brook, Illinois | Des Moines, Iowa |
| Assets Under Management | $3 billion (Pan-American) | $40 billion |
| Years in IUL Business | 3+ years | 10+ years |
| Number of IUL Products | 1 | 2 |
| Typical Cap Rate Range | 8% - 10% | 8% - 11% |
| Participation Rates | 110% | 115% |
| Minimum Premium | $5,000 annual | $3,600 annual |
| Issue Ages | 0-85 years | 15 days to 85 years |
| Underwriting Speed | 2-4 weeks | Some immediate delivery or within 24 hours |