By: Ray Caucci, Chief Product Officer

Welcome to the first installment of our 9-part series showcasing Penn Mutual's unwavering commitment to financial professionals and how 1847Financial brings these promises to life. Each "Diamond" in the series represents a different aspect of this commitment.

In the dynamic landscape of financial services, choosing the right products for clients can be a daunting task. However, at 1847Financial and Penn Mutual, we've crafted a product philosophy that focuses on simplicity, transparency and guarantees, so you can have confidence in the solutions you offer.

Competitive, Diverse Offerings for Tailored Solutions
Central to our philosophy is to offer of a broad spectrum of top-tier products. Whether it's our current 12 life insurance or five annuity products, we strive to be in the top three competitive products in each market segment. This ensures that you have options to tailor solutions that match the unique facts, circumstances and needs of your clients.

Simplicity, Transparency, and Guarantees
Our product designs prioritize the principles of simplicity, transparency and guarantees. We strive to ensure that our products deliver performance as close as possible to the expectations set at the time of sale. When we are managing non-guaranteed elements like credited interest rates, our goal is to maintain consistency in treatment for both new and existing policyholders.

Extensive Support for Financial Professionals
Our 1847Financial channel offers many support options from dedicated product wholesalers to provide training and design support to an internal sales desk ready to address any product-related questions or provide illustrations. We're committed to help you navigate our product offerings with confidence and ease.

Backed by Unwavering Strength
In the end, products are promises. Promises that are supported by consistently strong financial ratings. We take pride in our ratings. With an 'A+' rating from A.M. Best, Penn Mutual is the only life company to have maintained an 'A' or better rating from A.M. Best for the past 97 years. And, our Comdex rating further solidifies our strength. The Comdex rating, a composite of all ratings received by a company, represents the average percentile of those ratings. With a Penn Mutual Comdex rating of 93, we stand tall, with 93 percent of companies in the industry rated the same or lower than us.

With 1847Financial, you can rest assured that you're not just getting products; you're getting choice, confidence and support every step of the way.

_{Securities and investment advisory services offered through Hornor, Townsend & Kent, LLC (HTK), Registered Investment Adviser, Member FINRA/SIPC, 600 Dresher Rd., Horsham, PA 19044, USA. 800-873-7637, www.htk.com, 1847Financial is affiliated with HTK. HTK is a wholly-owned subsidiary of The Penn Mutual Life Insurance Company. The material is not intended to be a recommendation, offer or solicitation. HTK does not provide legal and tax advice. Always consult a qualified tax advisor regarding your personal tax situation and a qualified legal professional for your personal estate planning situation.  6595851RG_May26}