Benefits of dealing with a mutual company


  • Participating whole life policyholders are eligible to participate in the earnings in the participating account through dividend payments.1 Dividends are undiluted by shareholder transfers.

  • Participating policyholders elect our Board of Directors.

  • As a mutual company, we are not driven by shareholder pressures for quarterly results. This allows us to focus on management strategies that foster prudent long-term growth, continuity and stability. We are dedicated to meeting our commitments to customers - now and in the future.

  • We believe our mutual status allows us to provide better levels of service than a publicly traded company. In a 2019 survey of customers from 15 life insurance companies, Equitable Life ranked #1 on the Net Promoter Score, a measure used across industries to gauge the loyalty of a firm’s customer relationships.*


    *LIMRA CxP Customer Experience Benchmarking Program, Life Insurance In-Force Experience.
    1 Dividends are not guaranteed and are paid at the sole discretion of the Board of Directors. Dividends may be subject to taxation. Dividends will vary based on the actual investment returns in the participating account as well as mortality, expenses, lapse, claims experience, taxes, and other experience of the participating block of policies.