Terms of Use

Subject to these Terms, we hereby grant you a non-transferable, non-exclusive, limited license to use and access the Web Properties for your personal, non-commercial use. The Web Properties are provided to you as a convenience and for your information only. By merely providing you access to the Web Properties, we do not warrant or represent that: (a) any statement, document, image, graphic, logo, design, audio, video, or any other information provided from or on the Web Properties (collectively, the “Content”) is accurate or complete; (b) the Content is up-to-date or current; (c) we have any obligation to update any Content; (d) the Content is free from technical inaccuracies or programming or typographical errors; (e) the Content is free from changes made by a third party; (f) your access to the Web Properties will be free from interruptions, errors, computer viruses, or other harmful components; and/or (g) any information obtained in response to questions asked through the Web Properties is accurate or complete.

You may view, copy, or print a single copy of any page from the Web Properties for personal, non-commercial purposes if you do not remove, modify, or alter any copyright and proprietary rights notices that may be present. You may not otherwise use, modify, copy, print, display, distribute, publish, or sell any information from the Web Properties without our express, prior, written consent, which may be withheld in our sole discretion. You may not use the Web Properties for a commercial use other than the use intended by the services that you are provided by us. Any special rules for the software, audio files, downloads, and other items accessible through the Web Properties may be included elsewhere in the Web Properties and are incorporated into these Terms by reference.

(a) You may not remove or obscure any copyright, trademark, digital watermark, proprietary legend, or other proprietary notice from any portion of the Web Properties; (b) reproduce, modify, prepare derivative works based upon, distribute, license, lease, sell, resell, transfer, publicly display, publicly perform, transmit, stream, broadcast, or otherwise exploit the Web Properties, or any aspect of them, except as expressly permitted by us; (c) decompile, reverse engineer, jeopardize the correct functioning of, or disassemble the Web Properties, except as may be permitted by applicable law; (d) link to, mirror, or frame any portion of the Web Properties; (e) cause or launch any program, spider, robot, or script, or other automatic device or manual process for the purpose of extracting, scraping, indexing, surveying, or otherwise data mining any portion of the Web Properties or unduly burdening or hindering the operation and/or functionality of any aspect of the Web Properties; (f) attempt to gain access to any secured portion of the Web Properties to which you do not possess access rights; (g) use the Web Properties to stalk, harass, or harm another individual; (h) impersonate any person or entity, or otherwise misrepresent your affiliation with a person or entity; or (g) use any portion of the Web Properties or any Content in any manner that may give a false or misleading impression, attribution, or statement as to us or any other person or entity. The Web Properties and all rights therein are and shall remain with us.

We may make changes to the Web Properties, the Content or these Terms, or stop providing any of the Web Properties and/or the Content, at any time and without further notice to you. We will update the Web Properties with any changes to these Terms, and you are encouraged to review these Terms frequently (the date of the most recent revision to these Terms appears at the end of these Terms). Your continued access or use of the Web Properties after such posting constitutes your consent to be bound by the Terms, as amended.

We know that privacy is very important to you, and it is very important to us as well. Personal data that you provide regarding yourself will be handled in accordance with our Privacy Statement located at https://www.pennmutual.com/privacy-policies

To the extent that a user account is created by you to access the Portal, Penn Mutual Online Account Access, or to use any of the other Web Properties (“User Account”), the following shall apply:

(a)User Account. To access certain features and/or Content available through the Web Properties, we may require that you sign up using your email address and a password to create a User Account. If you do not create a User Account, you may not have access to certain functionality of the Web Properties. We use reasonable precautions to protect the privacy of your username, password, and User Account information. However, you are ultimately responsible for protecting your username, password, and User Account information from disclosure to third parties, and you are not permitted to circumvent the use of required encryption technologies, if any. You agree to: (i) immediately notify us of any unauthorized use of your username, password, or User Account, or any other breach of security; (ii) ensure that you exit from your User Account at the end of each session; and (iii) use a security passcode to secure your device where your User Account information is stored. While we may provide certain encryption technologies and use other reasonable precautions to protect your confidential information and provide suitable security, we do not and cannot guarantee or warrant that information transmitted through the Internet is secure, or that such transmissions are free from delay, interruption, interception, or error.

(b)Accurate Information. In creating and using your User Account, you agree to: (i) provide true, accurate, current, and complete information about yourself on any registration form required for the Web Properties, including, but not limited to, your full name, email address, and zip code (such information being the “Registration Data”); and (ii) maintain and promptly update the Registration Data to keep it true, accurate, current, and complete. If you provide any information that is untrue, inaccurate, not current, or incomplete, or if we have reasonable grounds to suspect that such information is untrue, inaccurate, not current, or incomplete, then we have the right to suspend or terminate your User Account and refuse any and all current or future use of your User Account.

(c)Non-Transferability of User Account. Access to and use of password protected or secure areas of the Web Properties are restricted to authorized persons using a User Account. Any user who accesses or attempts to access such areas without authorization may be subject to prosecution. User Accounts and usernames are non-transferable, and all users are obligated to take preventative measures to prohibit unauthorized users from accessing the Web Properties with his or her username and password. We are entitled to act on all instructions received by anyone using your User Account, and you agree that you are solely responsible for any activity that occurs under your User Account.

(d)Account Deactivation. We reserve the right to deactivate or cancel a User Account in our sole discretion, including for the following reasons: (i) you request such deactivation; (ii) you are deceased; (iii) you do not respond to repeated communication attempts regarding the status of your User Account; (iv) you fail to make payments related to your User Account (if applicable); (v) you reside in or relocate to a state or country where use of a User Account is prohibited under applicable law; or (vi) you act in a fraudulent or an inappropriate manner while using the User Account.

We may provide online insurance quotes to you when you use the Portal or other Web Properties, and you may be able to apply online for such coverage. At this time, online quotes may not be available for all states, products, services, or coverage selections. For additional information about products, services, or coverage selections otherwise offered by Penn Mutual, please contact us at the address set forth at the end of these Terms. Please be aware that you may not be eligible for all of the insurance products or services described on the Web Properties. Penn Mutual reserves the right to determine all eligibility for such products or services in its sole discretion. All quotes generated using the Web Properties are estimates based upon the information you provided and are not a contract or agreement to extend insurance coverage. Additionally, any coverage descriptions provided on the Web Properties are general descriptions of available coverages and are not a statement of contract. To obtain coverage you must submit an application to Penn Mutual. Your submission of a request for insurance coverage does not commit Penn Mutual to provide such requested or applied for insurance. Information you submit is subject to review, verification and underwriting approval, and we reserve the right to request additional information prior to reaching a decision regarding your request or application.

(a) Availability. Penn Mutual is licensed to sell life insurance in all 50 states and in the District of Columbia. However, not all products or services listed on the Web Properties are available in every state, and the products are not available for purchase outside the United States. Penn Mutual reserves the right to determine the eligibility of any user for any product or service.

(b) Not Professional or Investment Advice. The information available on the Web Properties is intended to be a general information resource regarding the matters covered, but is not offered as insurance, investment, legal, accounting, tax, or other professional advice, and it is not tailored to your specific circumstance. You should evaluate all information, opinions and advice available on the Web Properties in consultation with your insurance agent.

(c) Not an Insurance Contract. The information provided on the Web Properties is provided only as a general description of our services, products and coverage. It does not include all of the benefits, conditions, limitations, and exclusions that may apply to our insurance policies and services. Only a written policy, providing the precise coverage and terms and conditions constitutes a contract. For complete details of the coverage provided by your policy, please be sure to read the contract, including all endorsements.

You acknowledge that in using the Web Properties and accessing the Content, you may encounter material that you deem to be disturbing, objectionable, or offensive. You agree to use the Web Properties at your sole risk and that we shall have no liability to you for material that may be disturbing, objectionable, or offensive to you.

The Web Properties are not intended or designed to attract children under the age of thirteen (13). You affirm that you are more than eighteen (18) years of age, or are an emancipated minor, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms, and to abide by and comply with these Terms.

(a)No Warranties for Web Properties. When using the Web Properties, information will be transmitted in such a way that may be beyond our control. Accordingly, we make no warranty concerning the delay, failure, interruption, or corruption of any data, the Content or any other information transmitted in connection with the use of the Web Properties. YOU EXPRESSLY AGREE THAT YOUR USE OF THE WEB PROPERTIES IS AT YOUR SOLE RISK. THE WEB PROPERTIES AND THE CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” FOR YOUR USE, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, UNLESS THESE WARRANTIES ARE LEGALLY INCAPABLE OF EXCLUSION. WE MAKE NO REPRESENTATIONS OR WARRANTIES THAT THE WEB PROPERTIES AND THE CONTENT, OR ANY SERVICES OR FEATURES OFFERED IN CONNECTION WITH THE WEB PROPERTIES, ARE OR WILL REMAIN UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEB PAGES ACCESSIBLE ON OR THROUGH THE WEB PROPERTIES, OR THE SERVERS USED IN CONNECTION WITH THE WEB PROPERTIES, ARE OR WILL REMAIN FREE FROM ANY VIRUS, WORM, TIME BOMB, DROP DEAD DEVICE, TROJAN HORSE, OR OTHER HARMFUL COMPONENT. WE DO NOT GUARANTEE THAT YOU WILL BE ABLE TO ACCESS OR USE THE WEB PROPERTIES AT TIMES OR LOCATIONS OF YOUR CHOOSING, OR THAT WE WILL HAVE ADEQUATE CAPACITY FOR THE WEB PROPERTIES AS A WHOLE OR IN ANY SPECIFIC GEOGRAPHIC AREA. WE MAKE NO REPRESENTATION OR WARRANTY REGARDING GOVERNMENT COMPLIANCE OF ANY SOFTWARE USED IN RUNNING THE WEB PROPERTIES. OUR ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY WITH RESPECT TO THE USE OF ANY SERVICE OR PRODUCT PROVIDED ON OR THROUGH THE WEB PROPERTIES WILL BE THE REFUND OF THE PURCHASE PRICE FOR ANY CONTENT, PRODUCTS, OR SERVICES WHICH ARE REASONABLY FOUND TO BE INADEQUATE.

(b)Indemnification. You agree to defend, indemnify, and hold Penn Mutual and our directors, officers, employees, agents, successors, and assigns harmless from and against any claim, demand, suit, proceeding, liability, judgment, loss, damage, expense, and cost (including, but not limited to, reasonable attorneys’ fees) assessed or incurred by such party, directly or indirectly, with respect to or arising out of: (i) your failure to comply with these Terms; (ii) your breach of your obligations under these Terms; (iii) your use of the rights granted hereunder, including, but not limited to, any claims made by any third parties; and/or (iv) any claim that any comment or other information you provide through the Web Properties caused damage to or violated the rights of a third party.

(c)Your Responsibilities. You are responsible for establishing such procedures as you deem appropriate to verify the accuracy of data transmitted to us using the Portal or other Web Properties, and we will have no obligation to verify the accuracy of such data. Your use of the Web Properties is subject to the additional disclaimers and caveats that may appear throughout the Web Properties.

(d) Network Access and Devices. You are responsible for obtaining the data network access necessary to use the Web Properties. If you are accessing the Web Properties on your mobile device, your network’s data and messaging rates and fees may apply. You are responsible for acquiring and updating compatible hardware or devices necessary to access and use the Web Properties and any updates thereto. We do not guarantee that the Web Properties, or any portion thereof, will function on any particular hardware or devices. In addition, all Web Properties may be subject to malfunctions and delays inherent in the use of the Internet and electronic communications.

IN NO EVENT WILL WE OR ANY OF OUR OFFICERS, DIRECTORS, AGENTS, OR OTHER REPRESENTATIVES, BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND ARISING FROM YOUR USE OF OR INABILITY TO USE THE WEB PROPERTIES AND/OR THE CONTENT PROVIDED IN CONNECTION WITH THE WEB PROPERTIES OR FOR ANY OTHER CLAIM RELATED IN ANY WAY TO YOUR USE OF THE WEB PROPERTIES AND/OR ANY CONTENT PROVIDED THROUGH THE WEB PROPERTIES. ADDITIONALLY, WE WILL NOT BE LIABLE FOR ANY NEGATIVE REPERCUSSIONS TO ANYONE BASED ON THE USE OF OR INABILITY TO USE THE WEB PROPERTIES, INCLUDING, BUT NOT LIMITED TO, ANY LOST GOODWILL OR LOST PROFITS. WE ARE NOT LIABLE FOR ANY PERSONAL INJURY, INCLUDING DEATH, OR PROPERTY DAMAGE CAUSED BY YOUR USE OR MISUSE OF THE WEB PROPERTIES AND/OR ANY CONTENT. WE ARE NOT RESPONSIBLE FOR (A) INACCURACIES OR ERRORS IN OR OMISSIONS FROM THE CONTENT; (B) DELAYS, ERRORS, OR INTERRUPTIONS IN THE TRANSMISSION OR DELIVERY OF THE CONTENT; OR (C) LOSS OR DAMAGE ARISING THEREFROM OR OCCASIONED THEREBY, OR BY ANY REASON OF NONPERFORMANCE. REMEDIES UNDER THESE TERMS ARE EXCLUSIVE AND ARE LIMITED TO THOSE EXPRESSLY PROVIDED FOR IN THESE TERMS. IN NO EVENT WILL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT OR TORT, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE AND STRICT LIABILITY) EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THE WEB PROPERTIES AND USING THE CONTENT. BECAUSE SOME STATES AND JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, OUR LIABILITY WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW. THESE TERMS GIVE YOU SPECIFIC LEGAL RIGHTS. YOU MAY ALSO HAVE OTHER RIGHTS THAT MAY VARY FROM ONE STATE OR JURISDICTION TO ANOTHER.

We may provide hyperlinks to other websites maintained by third parties, or we may provide third party content on the Web Properties by framing or other methods (collectively, “Third Party Content”). In addition, the Web Properties may include certain applications, features, programs, and services provided by third parties (collectively, “Third Party Applications”). We do not monitor Third Party Content or Third Party Applications and can make no guarantee as to the accuracy or completeness of such Third Party Content or Third Party Applications. The links to third party websites, any Third Party Content, and any Third Party Applications are provided for your convenience and information only. The content on any linked website or in any Third Party Application is not under our control and we are not responsible for the content of linked websites and/or Third Party Applications, including any further links contained in a third party website. We make no representation or warranty in connection with any Third Party Content or Third Party Application, which at all times and in each instance is provided “as is.” If you decide to access any of the third party websites linked to the Web Properties, any Third Party Content, and/or any Third Party Application, you do so entirely at your own risk.

If a third party links or refers to the Web Properties, it is not necessarily an indication of an endorsement, authorization, sponsorship, affiliation, joint venture, or partnership by or with us. In most cases, we are not even aware that a third party has linked to or refers to the Web Properties.

The Content of the Web Properties is intellectual property owned, controlled and/or licensed by us and/or our subsidiaries and affiliates, or intellectual property that we are legally permitted to access and use. All applicable intellectual property laws, including copyright laws, protect our rights in and to the Content. No portion of the Content may be reproduced in any form or by any means, except as provided in Section 2 (Web Properties Use and Content) and elsewhere in these Terms.

We are the owner or authorized licensee of, or are otherwise permitted to use, all trademarks, service marks, and logos used and displayed on the Web Properties. All trademarks and service marks of Penn Mutual that may be referred to on the Web Properties are the property of Penn Mutual. Other parties’ trademarks and service marks that may be referred to on the Web Properties are the property of their respective owners. Nothing on the Web Properties should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of our or our affiliates’ trademarks, service marks, or copyrights without our prior written permission. Neither the name of The Penn Mutual Life Insurance Company, nor any of our trademarks, service marks, logos, or copyrighted materials may be used in any way, including in any advertising, hyperlink, publicity, or promotional materials of any kind, whether relating to the Web Properties or otherwise, without our prior, written permission, except that a third party website that desires to link to the Web Properties and that complies with the requirements of Section 13 (Third Party Content and Third Party Applications) above may use the name “The Penn Mutual Life Insurance Company” or the title of any Content in or as part of that link.

We own, protect and enforce copyright and other rights in our own intellectual property, and respect the intellectual property rights of others. We will respond to alleged copyright infringement in accordance with the Digital Millennium Copyright Act (“DMCA”). Under the DMCA, a copyright owner may give notification to an online service provider of an alleged copyright infringement. During this process, the service provider responds by taking down the alleged infringing content, and takes reasonable steps to contact the owner of the removed content so that a counter-notification may be filed. If a valid counter-notification is filed, we typically will restore the content in question, unless we receive notice from the notification provider that a legal action has been filed seeking a court order to restrain the alleged infringer from engaging in the infringing activity. We may provide copies of such notices to the affected parties or to any other third parties, at our discretion and as required by law. Our Privacy Notice, located at https://www.pennmutual.com/privacy-policies, does not protect information provided in these notices.

When notifying us of potential infringement, you must include the following:

• identification of the copyrighted work(s) claimed to have been infringed. If multiple copyrighted works, then a representative list of such works on the Web Properties;

• identification of the supposedly infringing material that is to be removed;

• information reasonably sufficient to permit us to locate the material on the Web Properties;

• contact information reasonably sufficient to permit us to contact the complaining party, such as an address, telephone number, or email address;

• a statement that the complaining party has a good faith belief that use of the material is in fact infringing and/or not authorized by the copyright owner, its agent, or the law;

• a statement that, under penalty of perjury, the information in the notification is accurate and where relevant that the complaining party is authorized to act on behalf of the copyright owner; and

• the signature, physical or electronic, of the copyright owner or a person authorized to act on his or her behalf.

A provider of content subject to a claim of infringement may make a counter notification. To file a counter notification with us, please provide the DMCA Agent a written communication containing the following:

• identification of the supposedly infringing material that is to be removed;

• a statement that, under penalty of perjury, you have a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material to be removed or disabled;

• your name, address, and telephone number, and a statement that you consent to the jurisdiction of the Federal District Court for the judicial district in which your postal address is located, and that you will accept service of process from the party who submitted the infringement notification or his, her, or its principal or agent; and

• the signature, physical or electronic, of you or a person authorized to act on your behalf.

We will promptly provide the party that provided the notice of claimed infringement with a copy of the counter notification, and inform the complaining party that we restore the removed or disabled content within ten (10) business days. If we do not receive notice that a lawsuit has been filed within ten (10) business days after we provide notice of the counter-notification, we will restore the removed or disabled materials. Until that time, your materials will remain removed or disabled.

Notice of alleged infringement must be sent by electronic mail to our DMCA Agent at privacy@pennmutual.com, or by certified mail and marked “Copyright Infringement”, Attn: CHIEF PRIVACY OFFICER at the address set forth at the end of these Terms.

Before filing such a notification, make a careful determination as to whether or not the use of the material at issue is or may be protected by the “fair use” doctrine. You could potentially be held liable for costs and attorneys’ fees should you file a takedown notice where there is no infringing use. If you are unsure whether there is infringement, it may be advisable to seek legal counsel.

We may suspend or terminate your right to access secured portions of the Web Properties at any time, without notice, for conduct that we believe violates these Terms and/or is harmful to other users of the Web Properties, to us, to our partners, to the contributors, to the business of our Internet service provider, or to other information providers.

You acknowledge that your conduct that is inconsistent with the provisions of these Terms may cause us irreparable damage for which remedies other than monetary relief may be inadequate. In such instances, you agree that we may seek injunctive or other equitable relief seeking to restrain such conduct without the necessity of proving actual harm or posting a bond.

You agree that all matters relating to your access to, or use of, the Web Properties shall be governed by the laws of the Commonwealth of Pennsylvania. You agree and hereby submit to the exclusive personal jurisdiction and venue of the state and federal courts in the Commonwealth of Pennsylvania, with respect to such matters.

We make no representation that Content or materials on the Web Properties are appropriate or available for use in all jurisdictions or jurisdictions that are outside the United States. Access to the Web Properties from jurisdictions where such access is illegal is prohibited. Those who choose to access the Web Properties do so at your own initiative and are responsible for compliance with applicable local laws. Except as expressly set forth herein, the information contained on the Web Properties is not an offer to sell or a solicitation to buy any security, insurance product or other product or service offered by Penn Mutual. No security, insurance product or other product or service is offered or will be sold by Penn Mutual or, if sold by Penn Mutual, will be effective in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. No such product or security will be offered or sold in any state by a person or entity who/which is not properly licensed to do so in such state.

Any software and all underlying information and technology downloaded or viewed from any of the Web Properties or in connection with the services (collectively, the “Software or Technical Data”) by you may be subject to U.S. export controls, including the Export Administration Act (50 U.S.C. Appx. §§ 2401 et seq.) and the Export Administration Regulations (50 C.F.R. Parts 730-774), and may be subject to export or import regulations in other countries. You are solely responsible for complying with all trade regulations and laws, both foreign and domestic, in your use and viewing of the Web Properties, the Content, and any of our products or services, including, but not limited to, the Software or Technical Data. Except as authorized by law, you agree not to export or re-export the Software or Technical Data to any county, or to any person, entity, or end-user subject to U.S. export controls, including, but not limited to, persons or entities listed on the U.S. Department of Commerce Bureau of Export Administration’s Denied Parties List and the U.S. Department of Treasury’s Specially Designated Nationals. You represent and warrant that no U.S. federal agency has suspended, revoked, or denied your export privileges.

By submitting comments, information or feedback to us through email and/or the Web Properties, you agree that the information submitted will be subject to our Privacy Notice located at https://www.pennmutual.com/privacy-policies.We may use comments, information, or feedback that you may submit to us (“Feedback”) in any manner that we may choose, including, but not limited to, the incorporation of such suggested changes into our services and products, without notice or compensation to you. You hereby grant us a perpetual, irrevocable, worldwide, royalty-free, sublicensable license and all rights to use the Feedback for any purpose we may choose.

Penn Mutual is domiciled in the Commonwealth of Pennsylvania. Our principal place of business is 161 East Washington Street, 11th Floor, Suite 1111, Conshohocken, PA 19428. Penn Mutual is licensed in all 50 states and in the District of Columbia. Penn Mutual’s NAIC ID # is 67644. The Penn Insurance and Annuity Company (“PIA”) is a subsidiary of Penn Mutual. PIA is domiciled in the State of Delaware. Its principal place of business is 161 East Washington Street, 11^th Floor, Suite 1111, Conshohocken, PA  19428. PIA is licensed in all states, except New York and New Hampshire, and it is also licensed in the District of Columbia. PIA’s NAIC ID # is 93262.

Company Bulletin 2015-13. Penn Mutual implemented the following guidelines to help provide safeguards for consumers and to ensure that Illinois consumers affected by the widespread flooding disaster do not suffer unnecessary hardship:

• For any cancellation or nonrenewal notice issued on or after December 29, 2015, on any in-force policy issued to an affected policyholder, upon receipt of premium Penn Mutual shall withdraw the cancellation or nonrenewal and reinstate the policy with no lapse in coverage until February 29, 2016.

• Penn Mutual shall grant to affected policyholders an extension of any and all policy provisions or other requirements that impose a time limit for an insured or claimant to perform any act, including the submission of a claim or proof of loss, reporting of information, submission of bills, or payment of funds for a minimum of sixty (60) days from the last date allowed or required under the terms of the contract or allowed or required by the insurer, or longer if deemed reasonable given an individual consumer’s circumstance.

For disaster-related disputes or issues, contact the Illinois Department of Insurance at its toll-free complaint hotline: (866) 445-5364, or file a complaint online at https://mc.insurance.illinois.gov/messagecenter.nsf.

(a) Conducting Business Electronically. By using the Web Properties, you consent to receive electronic communications from us unless you follow applicable opt out procedures. We will communicate with you by email or by posting notices on our Web Properties. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communication be in writing. Your current valid email address is required in order for you to obtain documents electronically, and you agree to keep us informed of any changes in your email address. Conducting business with Penn Mutual electronically includes: signing and receiving documents electronically; signing documents electronically using electronic signature; and allowing Penn Mutual to accept instructions from you electronically. You are responsible for obtaining the hardware and software that is required for you to conduct business with us electronically.

(b) Consent to Use of Electronic and Voice Signatures. You are consenting to the use of your electronic signature and/or voice signature on documents including or related to an application for life insurance, and you agree that your electronic signatures and/or voice signature on such documents is the legal equivalent of your manual signature. Additionally, you are consenting to allowing Penn Mutual to accept telephonic instructions from you in relation to your use of the Web Properties and purchase of life insurance policies with us.

(c) Withdraw or Reject Consent. If you do not want to continue to receive electronic communication, you have the right to reject providing your consent. You may withdraw your consent to sign or receive future communications electronically by contacting us at (800)-523-0650. In that event, the withdrawal of your consent will be effective on the date we receive and process such request, and all future communications will be sent to you in paper at no additional expense. Please note that if you withdraw your consent, you will still remain subject to the Terms set forth on the Web Properties.

(d) Request Paper Copies. We will not send you a paper copy of communications provided electronically unless you request it. To obtain a paper copy, you may print it yourself or request a copy by contacting Penn Mutual at the address set forth at the end of these Terms.

Your Consent To This Agreement

By accessing and using the Web Properties, you consent to and agree to be bound by these Terms. If we decide to change these Terms or some part of them, we will make an effort to post those changes on this web page so that you will always be able to understand and agree to the terms and conditions governing your use of the Web Properties. Your use of the Web Properties following your acceptance of any amendment of these Terms will signify your assent to and acceptance of the revised Terms for all previously collected information and information collected from you in the future. If you have additional questions or comments of any kind, or if you see anything on the Web Properties that you think is inappropriate, please let us know by sending your comments or requests to:

The Penn Mutual Life Insurance

161 East Washington Street, 11^th Floor, Suite 1111

Conshohocken, PA  19428

Phone: (800)-523-0650

privacy@pennmutual.com

Copyright © 2018. The Penn Mutual Life Insurance Company. All Rights Reserved.

Effective as of: November 7, 2018

Last updated: November 7, 2019