Introducing Apex VUL® from Massachusetts Mutual Life Insurance Company (MassMutual®) and C. M. Life Insurance Company (C.M. Life), a wholly-owned subsidiary of MassMutual.
Apex VUL diversifies MassMutual’s life insurance portfolio to better meet clients where they are in the financial life cycle.
Apex VUL
Apex VUL is a flexible premium variable universal life (VUL) insurance policy that provides income tax free death benefit protection. It provides the potential to accumulate assets with a wide variety of investment options. A product that diversifies MassMutual’s life insurance portfolio to better meet clients where they are in the financial life cycle.
A foundation of guarantees
MassMutual Whole Life products are built on a foundation of guarantees that your clients can count on. This includes a guaranteed premium, death benefit, and cash value.
Retirement Reimagined
Combining the guarantees of whole life insurance with the potential account value accumulation of Apex VUL, gives policyowners the ability to use their policies in ways they may not have thought of before.
Let's work together
FOR REGISTERED REPRESENTATIVES. NOT FOR USE WITH OTHER AUDIENCES.
The products and/or certain features may not be available in all states. State variations will apply.
The information provided is not written or intended as specific tax or legal advice. MassMutual, its subsidiaries, employees, and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.
Whole Life Legacy series policies ((Policy Forms: MMWL-2018 and ICC18-MMWL in certain states, including North Carolina)/ (MMWLA-2018 and ICC18-MMWLA in certain states, including North Carolina)) are level-premium, participating, permanent life insurance policies issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001.
Guarantees are based on the claims-paying ability of the issuing company and do not apply to the investment performance, or the safety of amounts held in the variable investments.
Variable universal life products are sold by prospectus. Before purchasing a variable life insurance policy, investors should carefully consider the investment objectives, risks, charges and expenses of the variable life insurance policy and its underlying investment choices. For this and other information obtain the prospectuses for the variable life insurance policy and the prospectuses (or summary prospectuses, if available) for its underlying investment choices from your registered representative. Please read the prospectuses carefully before investing or sending money.
Apex VUL (Policy Forms: CMVUL-2023 and ICC23-CMVUL in certain states, including North Carolina) is individual, non-participating, flexible premium, adjustable variable life insurance issued by C.M. Life Insurance Company (C.M. Life), a wholly owned subsidiary of Massachusetts Mutual Life Insurance Company (MassMutual). C.M. Life is non-admitted in New York. Apex VUL (Policy forms: MMVUL-CA-2020 in California, and MMVUL-NY-2020 in New York) is issued by MassMutual. Both C.M. Life and MassMutual are located in Springfield, MA 01111-0001.
To offer or sell MassMutual and subsidiary company variable products, producers must be a registered representative of MML Investors Services, LLC (MMLIS), Member SIPC® (www.SIPC.org), or a broker-dealer that has a selling agreement with MML Strategic Distributors, LLC (MSD). MMLIS and MSD are subsidiaries of Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001, Members FINRA (www.FINRA.org).
Principal Underwriters:
MML Investors Services, LLC
MML Strategic Distributors, LLC