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Standard and Poor's uses a letter grade scale that ranges from AAA, the highest rating to CCC, the lowest rating. Ratings from AA to B may be modified by a plus or minus sign to show relative standing within those grades. An insurer rated 'BBB' or higher is regarded as having financial security characteristics that outweigh any vulnerability, and is highly likely to have the ability to meet financial commitments.

Moody's uses a letter grade scale that ranges from Aaa, the highest rating, to C, the lowest rating. It also applies modifiers (1, 2 or 3) for ratings below Aaa to indicate the approximate rank of the company in a particular class. These rating gradations provide investors with a system for measuring an insurance company's ability to meet its policyholder claims and obligations. Penn Mutual's Aa3 Excellent rating ranks the fourth highest out of 21 ratings.

An insurer's financial strength rating represents an opinion by the issuing agency regarding the ability of an insurance company to meet its financial obligations to its policyholders and contract holders. A rating is an opinion of the rating agency only, and not a statement of fact or recommendation to purchase, sell or hold any security, policy or contract. These ratings do not imply approval of our products and do not reflect any indication of their performance. For more information about a particular rating or rating agency, please visit the website of the relevant agency. All guarantees are based upon the claims-paying ability of the issuer.

Variable Universal Life products are subject to market fluctuations and may lose value. Diversified Growth Variable Universal Life and Survivorship Growth VUL must be preceded or accompanied by their respective prospectuses and the underlying investment option's prospectus. Investors should carefully consider the investment's objectives, risks, charges and expenses before investing. Investors can obtain prospectuses from a Penn Mutual financial professional or go to