Boston Mutual Life Insurance Company
Solutions for Individual & Families

• Guaranteed Death Benefit: Infinite Life provides permanent life insurance coverage. As long as premiums are paid, your beneficiary(ies) is/are guaranteed to receive the face amount of the policy in the event of your death.
• Guaranteed Level Premiums: The premiums for your Infinite Life policy will not change regardless of your age or changes in your health status
• Guaranteed Cash Values: The cash values of your Infinite Life policy are guaranteed not to decline regardless of changes in market conditions – and will continue to accumulate as long as the premiums are paid. Should the need arise, you may borrow either all or a portion of the accumulated cash value by filling out a simple loan form. Policy loans and withdrawals will affect the cash value of your policy and could reduce the death benefit.
• Policy Dividends: As a mutual insurance company, Boston Mutual Life Insurance is owned by and operated for the benefit of our policyholders. Therefore, Infinite Life policyholders are eligible to receive policy dividends.* Policy dividends are credited to your policy on an annual basis. They may be paid out to you, used to reduce premium payments, purchase additional whole life coverage, or left on deposit to be withdrawn at any time, or added to the surrender value or death benefit of the policy. *Dividends are not guaranteed.
• Non-Forfeiture Option: Life circumstances change from time to time. If you stop paying premiums on your Infinite Life policy, the guaranteed cash value in your policy can be converted into extended term or paid-up insurance. The extended term option will provide your current death benefit at the time your policy lapsed for as long as the cash value in your policy can pay for it. The paid-up option will use the policy’s accumulated cash value to purchase a reduced amount of paid-up life insurance.

Infinite Life offers supplemental coverage as optional policy riders.*

• Payor Waiver of Premium: guarantees that your premium will continue to be paid on your behalf should the payor become totally disabled. Available to applicants ages 16 - 55.
• Accelerated Benefit Option Rider: pays out all or a portion of the death benefit (up to $50,000) if you are declared terminally ill with a life expectancy of 12 months or less
• Children’s Term Rider: covers all eligible natural children, stepchildren, or legally adopted children from age 15 days through age 25
• Accidental Death Benefit: provides additional financial protection should your death occur as a direct result of an accident

• Premiums will never increase as long as payment is made
• Death Benefit will not decrease regardless of changes to your age or health
• As long as premiums are current, your policy cannot be cancelled
• You will not have to renew your coverage or prove your insurability
• As long as premiums are consistently paid, this endowment policy covers you until age 98
• Purchase up to $100,000* of whole life insurance without requiring a physical exam or medical records**
• Payment can be made via bank draft or direct bill on a quarterly, semi-annual or annual basis
• This whole life policy accumulates cash value at a tax deferred rate. The cash value accumulated on the policy can be borrowed for any future needs that may arise, such as an emergency, college expenses or even retirement. While your policy is in force, access to the accumulated cash value is as easy as filling out a simple loan form.

*Coverage can be purchased over $100,000 and up to $250,000 by completing a fully underwritten application, which may require a physical exam and/or medical records. ** Age qualification requirements apply. $100,000 simplified issue coverage is only available up to age 50. Higher ages have other assigned maximum amounts.

Legacy Life Select can be a solid foundation that helps you build a long-term financial plan for you, your family or your business. Below are just a few of the ways Legacy Life Select can help.

• Protect your family in their time of need
• Policy benefits can help to pay off your mortgage and other outstanding debts
• Policy loans*** or insurance benefits from the Legacy Life Select plan can help fund your children’s education
• Cash value accumulation can be used through loans*** to supplement your retirement income, while maintaining your valuable coverage
• Your favorite charity can be named as beneficiary to bequest its proceeds – Legacy Life Select can enable you to make a significant donation to the charity or organization of your choice

*** Loans and withdrawals will affect the cash value of the policy and could affect death benefit.

Legacy Life Select offers supplemental coverage as optional policy riders.*

• Payor Waiver of Premium: Guarantees that your premium will continue to be paid on your behalf should the payor become totally disabled. Available for applicants ages 16 - 55.
• Accelerated Benefit Option Rider: Pays out all or a portion of the death benefit (up to $50,000) if you are declared terminally ill with a life expectancy of 12 months or less.
• Children’s Term Rider: Covers all eligible natural children, stepchildren, or legally adopted children age 15 days through age 25. Available for applicants (primary insured) between ages 18 - 55.
• Accidental Death Benefit: Provides additional financial protection should your death occur as a direct result of an accident. Available for applicants ages 15 days - 60 years.

* Additional cost may be associated with these policy riders. This is a brief summary of benefits - see your policy for full details.

Life policies are underwritten by Boston Mutual Life Insurance Company (Canton, MA) in all states, except New York, under Policy Series* ICC20 E-98 (11/20), E-98 (11/20), and E-98 (2/21), subject to state availability. Product offerings may vary depending on state laws and regulations. This information is not intended to be a complete description of the insurance coverage available. Policies have exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to the policy form or contact your Boston Mutual Life Insurance representative. Value-added services are not insurance and are offered only on specific lines of coverage. Boston Mutual Life Insurance is not responsible or liable for care, services, or advice given by any provider or vendor of the Services. Boston Mutual Life Insurance reserves the right to discontinue any of the Services at any time. *For the Compact it is “ICC20 E-98 (11/20)”. For the Non-Compact states (California, Delaware, North Dakota), it is “END-95(ESO)(9/20)”, or if it is Florida or South Dakota it is "END-95(ESO)(2/21)".

• Premiums will never increase as long as payment is made
• Death benefit will not decrease regardless of changes to your age or health
• As long as premiums are current, your policy cannot be cancelled
• You will not have to renew your coverage or prove your insurability
• As long as premiums are consistently paid, this endowment policy covers you until age 98
• Purchase up to $100,000* of whole life insurance without requiring a physical exam or medical records**
• Payment can be made via bank draft or direct bill on a quarterly, semi-annual or annual basis.

*Coverage can be purchased over $100,000 and up to $250,000 by completing a fully underwritten application, which may require a physical exam and/or medical records. ** Age qualification requirements apply. $100,000 simplified issue coverage is only available up to age 50. Higher ages have other assigned maximum amounts.
 

Legacy Life Express can be a solid foundation that helps you build a long-term financial plan for you, your family or your business. Below are just a few of the ways Legacy Life Express can help.

*** Loans and withdrawals will affect the cash value of the policy and could affect death benefit.

*Additional cost may be associated with these policy riders. This is a brief summary of benefits - see your policy for full details.

Children’s Term Rider is issued by Boston Mutual Life Insurance Company (Canton, MA) in all states, except New York, on form ICC18 CTR-2 (8/18) or CTR-2 (8/18), subject to state availability. Product offerings may vary depending on state laws and regulations. This information is not intended to be a complete description of the coverage available. Riders may have exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please contact your Boston Mutual Life Insurance representative.

Accelerated Benefit Option Rider is issued by Boston Mutual Life Insurance Company (Canton, MA) in all states, except New York, on form BML ABOR 10/93, subject to state availability. Product offerings may vary depending on state laws and regulations. This information is not intended to be a complete description of the coverage available. Riders may have exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please contact your Boston Mutual Life Insurance representative.

Accidental Death Benefit Rider is issued by Boston Mutual Life Insurance Company (Canton, MA) in all states, except New York, on form ICC18 ADR-1 (8/18) or ADR-1 (8/18), subject to state availability. Product offerings may vary depending on state laws and regulations. This information is not intended to be a complete description of the coverage available. Riders may have exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please contact your Boston Mutual Life Insurance representative.

Waiver of Premium Rider is issued by Boston Mutual Life Insurance Company (Canton, MA) in all states, except New York, on form ICC18 WPR-1 (8/18) or WPR-1 (8/18), subject to state availability. Product offerings may vary depending on state laws and regulations. This information is not intended to be a complete description of the coverage available. Riders may have exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please contact your Boston Mutual Life Insurance representative.

Premium Deposit Fund Rider is issued by Boston Mutual Life Insurance Company (Canton, MA) in all states, except New York, on form BML PDF0880 (Rev 7/87), subject to state availability. Product offerings may vary depending on state laws and regulations. This information is not intended to be a complete description of the coverage available. Riders may have exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please contact your Boston Mutual Life Insurance representative.