Guide to Understanding the Annual Statement Cornerstone VUL, Cornerstone VUL II, Cornerstone VUL III, and Cornerstone VUL IV
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1 Guide to Understanding the Annual Statement Cornerstone VUL, Cornerstone VUL II, Cornerstone VUL III, and Cornerstone Variable Universal Life are permanent life insurance policies with solid protection and the potential for strong, tax-deferred cash value accumulation, and the flexibility to adjust your policy as your needs and objectives change. Your Annual Statement provides policy values as of the policy anniversary date, as well as a history of the activity on your Variable Universal Life policy over the last policy year. We have created this guide to help you understand your annual statement and the key terms used to describe your policy. Table of Contents Sample Annual Statement...2 Key Terminology...9 Optional Benefits and Riders We are proud to have received an Excellent rating on our Variable Universal Life Insurance Annual Statements from DALBAR, a market research firm. This rating is an indicator of Penn Mutual s leadership in producing high-quality electronic and print communications. DALBAR 2014 RATED COMMUNICATIONS EX CELLENCE If you have any questions about your statement, please contact your Financial Professional or Penn Mutual Client Services at
2 Sample Annual Statement This section of the guide walks through a sample Annual Statement to show you the layout and the information presented. The first page includes a summary of key policy Information, while the second page shows the allocations between the different account options, a summary of account activity for each account and any loans taken on the policy. Annual Statement for Policy # Policy Start Date: 03/17/2001 Policy Maturity Date: 03/17/2059 For additional information or questions, contact: WILLIAM PENN 789 SPRUCE STREET PHILADELPHIA PA BENJAMIN FRANKLIN, CLU, ChFC, AEP FRANKLIN-RICHARDS AGENCY 123 MAIN STREET PHILADELPHIA PA or contact Penn Mutual Client Services Insured: WILLIAM PENN Primary Beneficiary: SALLY PENN Broker Dealer: Hornor, Townsend & Kent, Inc. Policy Summary Start of Policy Year End of Policy Year Year to Year Change Total Death Benefit $274, $287, $13, Total Specified Amount $225, $225, $0.00 Total Policy $49, $62, $13, Total Cash Surrender $49, $62, $13, Loan Balance $0.00 $0.00 $0.00 Page 2 Policy not included in Specified Amount. Activity Summary for Statement Period Beginning Policy $49, Total Premiums Paid + $3, Investment Return & Interest Credited +$11, Total Expenses -$1, Policy Distributions - $0.00 Ending Policy $62, Change in Policy $13, You have Penn Mutual's, which is a Flexible Premium Adjustable Variable Life Insurance policy. As of this statement date, your policy has the following additional benefits: Disability Waiver of Monthly Deductions Your policy has a cost basis of $51, Policy and Death Benefit may increase or decrease depending on the investment experience of the separate account. Premium Allocations Premium and Policy Allocations Policy Policy Fund Type Prem % % LifeStyle Large Cap $24, Mid Cap $10, SMID Cap Small Cap $5, Policy Allocations Balanced $13, Index We are pleased to introduce your new, redesigned annual statement! All of your policy details are more organized and easier to read with this new statement. Your new statement now includes a concise summary of key information on the front page, with more detailed transaction activity thereafter. For additional details, visit Policy Number: WILLIAM PENN Page 1 of 5 Page 1 Speciality International $9, Fixed Income Fixed Accounts Dollar Cost Averaging (DCA) A scheduled premium payment of $ is due Monthly. Specific Fund Allocations and s Premium Policy Unit Quanity Current Allocation Allocation Price Large Cap Funds 40% 39.07% $24, T. Rowe Price Large Growth Stock 20% 21.05% $13, Loomis Sayles Large Cap Fund 20% 18.02% $11, Mid Cap Funds 15% 16.02% $10, Turner Investments Mid Cap Growth 15% 16.02% $10, Small Cap Funds 10% 8.29% $5, Janus Capital Small Cap Growth 10% 8.29% $5, Balanced Funds 20% 22.08% $13, T. Rowe Price Flexibly Managed 20% 22.08% $13, International Funds 15% 14.54% $9, Vontobel Asset Management International Equity 15% 14.54% $9, This guide uses a hypothetical Cornerstone VUL policy as an example. Questions? Contact BENJAMIN FRANKLIN or Penn Mutual (M-F 8:30 a.m. to 6:00 p.m. Eastern) Policy Number: WILLIAM PENN Page 2 of 5 2
3 Sample Annual Statement Activity history by month and declared rates for the Fixed Account options appear in the next sections of the statement. The final section of the statement includes important notices regarding your policy and information about the annual statement. Summary of Accounts Account Beginning (03/17/2013) Premiums Expense Charges and Cost of Insurance Partial Surrenders and Loans Total Investment Return Transfers (in and out) Ending (03/17/2014) T. Rowe Price Large Growth Stock Vontobel Asset Management International Equity Turner Investments Mid Cap Growth Janus Capital Small Cap Growth $9, $ $ $0.00 $3, $0.00 $13, $8, $ $ $0.00 $ $0.00 $9, $7, $ $ $0.00 $2, $0.00 $10, $4, $ $ $0.00 $ $0.00 $5, Loomis Sayles Large $8, $ $ $0.00 $1, $0.00 $11, Cap Fund Activity History for Statement Period T. Rowe Price Flexibly $11, $ $ $0.00 Date $2, Premiums $0.00 $13, Expense Cost of Partial Investment Policy * Managed Charges Insurance Surrenders Return* Totals $49, $3, $1, $ /17/13 $11, $0.00 $62, $26.61 $88.98 $0.00 $0.00 $49, /01/13 $ $15.00 $0.00 $ For information on the performance of the investment fund options of the separate account, please visit Total 04/17/13 Policy $0.00 $62, $26.44 $88.98 $0.00 -$ $49, /01/13 $ $15.00 $0.00 $ Loans 05/17/13 $0.00 $27.08 $88.98 $0.00 $3, $52, There was no loan activity on this policy during the The loan rate for this 06/03/13 product is 4.00%. $ $15.00 $0.00 $ statement period. Your policy offers access to policy 06/17/13 $0.00 $26.99 $88.98 $0.00 -$ $51, values through partial surrenders or loans. If you 07/01/13 $ $15.00 $0.00 $ are interested in additional information, contact your 07/17/13 $0.00 $27.18 $88.98 $0.00 $1, $53, Financial Professional or Penn Mutual Client Services at 08/01/13 $ $15.00 $0.00 $ /17/13 $0.00 $27.16 $88.98 $0.00 -$ $53, /03/13 $ $15.00 $0.00 $ Declared Rates and Percentages 09/17/13 $0.00 $27.47 $88.98 $0.00 $2, $55, The following are the interest credited rates declared for the Fixed Account options during 10/01/13 the statement period. $ $15.00 $0.00 $ Mar Apr May Jun Jul Aug Sep Oct 10/17/13 Nov Dec Jan $0.00 Feb $27.63 $88.97 $0.00 $1, $56, /01/13 $ $15.00 $0.00 $ Fixed Account /17/13 $0.00 $27.80 $88.97 $0.00 $1, $58, DCA Account /02/13 $ $15.00 $0.00 $ Notice from the State Insurance Department of Pennsylvania Future rates may differ from declared rates listed above. Refer to your contract for more information. 12/17/13 $0.00 $27.81 $88.97 $0.00 -$ $58, /02/14 $ $15.00 $0.00 IMPORTANT $0.00 POLICY OWNER -- NOTICE: You -- should consider requesting more detailed information about your policy to understand how it may perform in the future. You should not consider replacement of your policy or make changes 01/17/14 $0.00 $28.11 $88.97 $0.00 $2, $60, in your coverage without requesting a current illustration. You may annually request, without charge, such an 02/03/14 $ $15.00 $0.00 $ illustration by calling , writing to Penn Mutual at Philadelphia, PA 19172, or by calling your agent. If you Questions? Contact BENJAMIN FRANKLIN /17/14 $0.00 $28.24 $88.97 do $0.00 not receive a current $ illustration $61, of your policy within 30 days from your request, you should contact your state or Penn Mutual (M-F 8:30 a.m. to 6:00 p.m. Eastern) 03/03/14 $ $15.00 $0.00 insurance $0.00 department blank Policy Number: WILLIAM PENN 03/17/14 $0.00 Page 3 of 5 $0.00 $0.00 On $ /17/2015, if all $ scheduled premiums $62, are paid, and if maximum insurance charges were deducted and the net investment return was zero, the policy value would be $63, and the net cash surrender value would be Totals $3, $ $1, $0.00 $11, $62, $63, (*) Investment return and policy value are displayed for every monthly anniversary. Of the total cost of insurance of $1, listed above, $ is the cost for riders and benefits. Unlock Life s Possibilities with Your Insurance Policy The maximum premium limit for the following policy year is $122, In addition to providing permanent death benefit protection, your policy offers you the opportunity to build cash value that can help you achieve goals during your lifetime, such as college funding, a more comfortable retirement, starting a business, and much more. Your policy cash value can also provide a financial safety net if you face an unexpected financial hardship. Talk to your Penn Mutual Financial Professional about maximizing your policy s strong cash value accumulation potential. Accessing cash values may result in surrender fees and charges, may require additional premium payments to maintain coverage and will reduce the death benefit and policy values. Making loan repayments can help protect the policy death benefit and values. Loans are income tax free as long as the policy is not a Modified Endowment Contract (MEC). Withdrawals can cause the policy to become a MEC. Loans will nullify the no-lapse guarantee. Questions? Contact BENJAMIN FRANKLIN or Penn Mutual (M-F 8:30 a.m. to 6:00 p.m. Eastern) About this Statement Policy Number: WILLIAM PENN Page 4 of 5 Your statement provides a history of the activity on your policy for the last policy year ending on 03/17/2014. Please review this statement and contact Penn Mutual if you have any questions. You should retain a copy of this statement for your personal records, but note that this statement should not be used for tax-filing purposes. For more information... on how to read this statement and an explanation of terms and benefits, visit scan the image to the right, or contact Penn Mutual. Pages 3-5 Questions? Contact BENJAMIN FRANKLIN or Penn Mutual (M-F 8:30 a.m. to 6:00 p.m. Eastern) Policy Number: WILLIAM PENN Page 5 of 5 3
4 Sample Annual Statement - Page 1 WILLIAM PENN 789 SPRUCE STREET PHILADELPHIA PA Insured: WILLIAM PENN Primary Beneficiary: SALLY PENN Annual Statement for Policy # Policy Start Date: 03/17/2001 Policy Maturity Date: 03/17/2059 For additional information or questions, contact: BENJAMIN FRANKLIN, CLU, ChFC, AEP FRANKLIN-RICHARDS AGENCY 123 MAIN STREET PHILADELPHIA PA or contact Penn Mutual Client Services Broker Dealer: Hornor, Townsend & Kent, Inc. Includes your: Financial Professional s contact information Policy start and maturity dates Insured and primary beneficiary information Broker Dealer name Policy Summary Start of Policy Year End of Policy Year Year to Year Change Total Death Benefit $274, $287, $13, Total Specified Amount $225, $225, $0.00 Total Policy $49, $62, $13, Total Cash Surrender $49, $62, $13, Loan Balance $0.00 $0.00 $0.00 Policy not included in Specified Amount. Lists your policy: Death Benefit Specified Amount Policy Cash Surrender Outstanding loan balance if applicable Activity Summary for Statement Period Beginning Policy $49, Total Premiums Paid + $3, Investment Return & Interest Credited +$11, Total Expenses -$1, Policy Distributions - $0.00 Ending Policy $62, Change in Policy $13, You have Penn Mutual's, which is a Flexible Premium Adjustable Variable Life Insurance policy. As of this statement date, your policy has the following additional benefits: Disability Waiver of Monthly Deductions Your policy has a cost basis of $51, Policy and Death Benefit may increase or decrease depending on the investment experience of the separate account. Detail activity during the statement period, including: Premium payments Investment Return and/or Interest Credited Product Charges Policy type and included benefits and riders Also includes your cost basis and whether any taxable withdrawals have been taken We are pleased to introduce your new, redesigned annual statement! All of your policy details are more organized and easier to read with this new statement. Your new statement now includes a concise summary of key information on the front page, with more detailed transaction activity thereafter. For additional details, visit Includes informational messaging particular to your policy Policy Number: WILLIAM PENN Page 1 of 5 4
5 Sample Annual Statement - Page 2 Premium Allocations Premium and Policy Allocations Fund Type Prem % Policy % Policy LifeStyle Large Cap $24, Mid Cap $10, SMID Cap Small Cap $5, Balanced $13, Index Speciality International $9, Fixed Income Fixed Accounts Dollar Cost Averaging (DCA) Policy Allocations Details your account allocation percentages among the Funds and Fixed Accounts for Premiums and Policy Shows the loan balance if any policy value has been allocated to traditional loans A scheduled premium payment of $ is due Monthly. Specific Fund Allocations and s Premium Allocation Policy Allocation Unit Price Quanity Current Large Cap Funds 40% 39.07% $24, T. Rowe Price Large Growth Stock 20% 21.05% $13, Loomis Sayles Large Cap Fund 20% 18.02% $11, Mid Cap Funds 15% 16.02% $10, Turner Investments Mid Cap Growth 15% 16.02% $10, Small Cap Funds 10% 8.29% $5, Janus Capital Small Cap Growth 10% 8.29% $5, Summarizes allocations and values for specific funds. Details include: Premium Allocation and Policy Allocation Unit Price Quantity Current Balanced Funds 20% 22.08% $13, T. Rowe Price Flexibly Managed 20% 22.08% $13, International Funds 15% 14.54% $9, Vontobel Asset Management International Equity 15% 14.54% $9,
6 Sample Annual Statement - Page 3 Summarizes activity during the statement period by account type. Details include: Account Beginning (03/17/2013) Premiums Summary of Accounts Expense Charges and Cost of Insurance Partial Surrenders and Loans Total Investment Return Transfers (in and out) Ending (03/17/2014) Beginning and Ending Policy s Premium payments T. Rowe Price Large $9, $ $ $0.00 $3, $0.00 $13, Growth Stock Vontobel Asset $8, $ $ $0.00 $ $0.00 $9, Management International Equity Turner Investments Mid $7, $ $ $0.00 $2, $0.00 $10, Cap Growth Janus Capital Small Cap $4, $ $ $0.00 $ $0.00 $5, Growth Loomis Sayles Large $8, $ $ $0.00 $1, $0.00 $11, Cap Fund T. Rowe Price Flexibly $11, $ $ $0.00 $2, $0.00 $13, Managed Totals $49, $3, $1, $0.00 $11, $0.00 $62, For information on the performance of the investment fund options of the separate account, please visit Total Policy $62, Investment Return and/or Interest Credited Product Charges Transfers (In and Out) Partial surrenders and traditional loans Also describes where to find more detailed information on the performance of the investment fund options. Loans There was no loan activity on this policy during the The loan rate for this product is 4.00%. statement period. Your policy offers access to policy values through partial surrenders or loans. If you are interested in additional information, contact your Financial Professional or Penn Mutual Client Services at Provides detail on any loan activity. For more information on loans, see the key terminology section. Declared Rates and Percentages The following are the interest credited rates declared for the Fixed Account options during the statement period. Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Fixed Account DCA Account Declared Rates 4.00 and Percentages Future The following rates may differ are the from interest declared credited rates listed rates above. declared Refer to for your the contract Fixed Account for more information. options during the statement period. Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Fixed Account DCA Account Future rates may differ from declared rates listed above. Refer to your contract for more information. Details by month for the statement period: Interest credited rates declared for the Fixed Account options 6
7 Sample Annual Statement - Page 4 Date Premiums Expense Charges Activity History for Statement Period Cost of Insurance Partial Surrenders Investment Return* Policy * 03/17/13 $0.00 $26.61 $88.98 $0.00 $0.00 $49, /01/13 $ $15.00 $0.00 $ /17/13 $0.00 $26.44 $88.98 $0.00 -$ $49, /01/13 $ $15.00 $0.00 $ /17/13 $0.00 $27.08 $88.98 $0.00 $3, $52, /03/13 $ $15.00 $0.00 $ /17/13 $0.00 $26.99 $88.98 $0.00 -$ $51, /01/13 $ $15.00 $0.00 $ /17/13 $0.00 $27.18 $88.98 $0.00 $1, $53, /01/13 $ $15.00 $0.00 $ /17/13 $0.00 $27.16 $88.98 $0.00 -$ $53, /03/13 $ $15.00 $0.00 $ /17/13 $0.00 $27.47 $88.98 $0.00 $2, $55, /01/13 $ $15.00 $0.00 $ /17/13 $0.00 $27.63 $88.97 $0.00 $1, $56, /01/13 $ $15.00 $0.00 $ /17/13 $0.00 $27.80 $88.97 $0.00 $1, $58, /02/13 $ $15.00 $0.00 $ /17/13 $0.00 $27.81 $88.97 $0.00 -$ $58, /02/14 $ $15.00 $0.00 $ /17/14 $0.00 $28.11 $88.97 $0.00 $2, $60, /03/14 $ $15.00 $0.00 $ /17/14 $0.00 $28.24 $88.97 $0.00 $ $61, /03/14 $ $15.00 $0.00 $ /17/14 $0.00 $0.00 $0.00 $0.00 $ $62, Totals $3, $ $1, $0.00 $11, $62, Summarizes monthly account activity by activity date, including: Premium payments Product Charges Any Partial Surrenders Total Investment Return and/or Interest Credited Policy on each date (*) Investment return and policy value are displayed for every monthly anniversary. Of the total cost of insurance of $1, listed above, $ is the cost for riders and benefits. The maximum premium limit for the following policy year is $122,
8 Sample Annual Statement - Page 5 Notice from the State Insurance Department of Pennsylvania Provides applicable state specific information about your policy IMPORTANT POLICY OWNER NOTICE: You should consider requesting more detailed information about your policy to understand how it may perform in the future. You should not consider replacement of your policy or make changes in your coverage without requesting a current illustration. You may annually request, without charge, such an illustration by calling , writing to Penn Mutual at Philadelphia, PA 19172, or by calling your agent. If you do not receive a current illustration of your policy within 30 days from your request, you should contact your state insurance department. blank On 03/17/2015, if all scheduled premiums are paid, and if maximum insurance charges were deducted and the net investment return was zero, the policy value would be $63, and the net cash surrender value would be $63, Unlock Life s Possibilities with Your Insurance Policy In addition to providing permanent death benefit protection, your policy offers you the opportunity to build cash value that can help you achieve goals during your lifetime, such as college funding, a more comfortable retirement, starting a business, and much more. Your policy cash value can also provide a financial safety net if you face an unexpected financial hardship. Talk to your Penn Mutual Financial Professional about maximizing your policy s strong cash value accumulation potential. Provides details about one of the key features of your policy, the cash value accumulation potential Accessing cash values may result in surrender fees and charges, may require additional premium payments to maintain coverage and will reduce the death benefit and policy values. Making loan repayments can help protect the policy death benefit and values. Loans are income tax free as long as the policy is not a Modified Endowment Contract (MEC). Withdrawals can cause the policy to become a MEC. Loans will nullify the no-lapse guarantee. Your statement provides a history of the activity on your policy for the last policy year ending on 03/17/2014. Please review this statement and contact Penn Mutual if you have any questions. You should retain a copy of this statement for your personal records, but note that this statement should not be used for tax-filing purposes. About this Statement For more information... on how to read this statement and an explanation of terms and benefits, visit scan the image to the right, or contact Penn Mutual. Describes the information provided in your annual statement and where to access more information. There is also a Quick Response (QR) Code included in your statement that is readable by an application you can download on your smartphone or tablet computer. Scanning the code will take you directly to a webpage that has more information. 8
9 Key Terminology The following are some of the key terms referenced in your Annual Statement. For a more detailed description of terms, please review your Cornerstone VUL policy. Policy Terms Cash Surrender The policy value less the surrender charge and any outstanding loans. This amount is available to the policy owner upon full surrender of the policy. Note that if any loans are outstanding this would be referenced in your annual statement as Net Cash Surrender. Death Benefit The sum of death benefits of the base policy and any riders that offer an additional death benefit. Note that if any loans are outstanding this would be referenced in your annual statement as Net Death Benefit. Loans Money borrowed against the policy s cash value. A loan can be taken from the policy value at any time, subject to the maximum loan value in the contract. Loans are not required to be repaid while the policy is active unless the total of accumulated loans exceeds the maximum loan value. Loans will be reflected in the available net cash surrender value and the net death benefit. If loans are outstanding they will reduce the policy value or death benefit. Partial Surrender A partial surrender is a withdrawal from your policy s cash value. The policy death benefit will be reduced by the amount of the withdrawal and a charge of 2% of the amount withdrawn, up to a maximum of $25, will be accessed and treated as an additional withdrawal from the cash value and death benefit. Policy The total value in the policy, made up of premiums paid and credited interest, minus policy charges and partial surrenders. Policy Premium The amount of premium paid for the year for the base policy and any elected riders. Specified Amount The amount of coverage defined in your policy that is used to calculate your total death benefit and the amount of product charges assessed to the policy. 9
10 Key Terminology Account Options 12-Month Dollar Cost Averaging (DCA) Account Account that earns a fixed rate of interest for 12 months from the time of premium allocation and transfers funds monthly to variable investment options over a 12 month period. The 12-Month DCA is not available on all products. Cost Basis Represents the sum of all your premium payments in the policy, less any partial surrenders. Current Allocation Shows the percent allocation of future premiums between the Fixed, 12-Month Dollar Cost Averaging (DCA) and Separate Accounts. Interest Credited A column in the annual statement that shows the amount of interest credited to the Fixed and/or 12-Month Dollar Cost Averaging(DCA) (not available on all products). Separate Account An account that provides performance based on the movement of underlying investment subaccounts. Refer to your Penn Mutual Variable Life Account 1 Prospectus and Underlying Investment Funds Prospectus for more details. The underlying investment subaccounts are subject to market fluctuations and may lose value. Fixed Account An account that provides a current interest rate that is guaranteed for one year. The minimum guaranteed interest rate on the Fixed Account will vary by product so please see your prospectus or contract for your guaranteed minimum interest rate. s cannot be transferred until the policy anniversary or within 30 days following the anniversary. Please note, this account is not shown in this report. 10
11 Our Noble Purpose Since 1847, Penn Mutual has been driven by our noble purpose to create a world of possibilities, one individual, one family and one small business at a time. As an original pioneer of mutual life insurance in America, we believe that life insurance is the most protective, responsible and rewarding action a person can take to build a solid foundation today and create a brighter future for generations to come. Cornerstone VUL are flexible premium, adjustable variable universal life insurance policy offered by The Penn Mutual Life Insurance Company. Product and/or features may not be available in all states. Cornerstone VUL: VU-90(S) or VU-90(U), Cornerstone VUL II: VU-94(S) or VU-94(U), Cornerstone VUL III: VU-99(S) VU-99(U), : VU-01(S) VU-01(U), (Policy form numbers may vary by state.) All guarantees are based upon the claims-paying ability of the issuer. Accessing cash values may result in surrender fees and charges, may require additional premium payments to maintain coverage and will reduce the death benefit and policy values. Penn Mutual s variable products are primarily offered through Hornor, Townsend & Kent, Inc. (HTK), Registered Investment Advisor, Member FINRA/SIPC, 600 Dresher Road, Horsham, PA 19044, HTK is a wholly owned subsidiary of The Penn Mutual Life Insurance Company The Penn Mutual Life Insurance Company, Philadelphia, PA T /14 A4YK E2
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