Mutual Trust Life Insurance vs Pacific Life & Annuity Company
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
Pacific Life & Annuity Company
Founded: 1983
Phoenix, Arizona
Assets
$69 billion assets
IUL Experience
10+ years
Products
2
Avg Cap Rate
9.5%
Key Strengths
Pacific Life subsidiary
Pacific Horizon IUL 2 (2024)
Pacific Indexed Accumulator
Cap rates up to 10.5%
Detailed Feature Comparison
| Feature | Mutual Trust Life Insurance | Pacific Life & Annuity Company |
|---|---|---|
| Founded | 1905 | 1983 |
| Headquarters | Oak Brook, Illinois | Phoenix, Arizona |
| Assets Under Management | $3 billion (Pan-American) | $69 billion assets |
| Years in IUL Business | 3+ years | 10+ years |
| Number of IUL Products | 1 | 2 |
| Typical Cap Rate Range | 8% - 10% | 8% - 10.5% |
| Participation Rates | 110% | 115% |
| Minimum Premium | $5,000 annual | $5,000 annual |
| Issue Ages | 0-85 years | 0-85 years |
| Underwriting Speed | 2-4 weeks | 2-4 weeks |