Hybrid Life & Long Term Care

Built for securing futures.

Our hybrid life insurance and long term care (MassMutual CareChoice℠) products offer a combination of benefits that make them an attractive long term care planning option for many clients. The CareChoice products provide long term care protection, death benefits, plus rising cash value.

All products and materials may not be approved for use in your firm. Products may not be available in all states.

Contact Us

Let's work together.

   Find Your Managing Director

   Call 1-413-744-1202

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Built for creating opportunities.

Clients are concerned about the costs of long term care. Now you can estimate costs depending on where they live. You can tailor the information to the types and length of care needed. You can also compare costs between two states.

Get Started

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Flexibility to Adapt

We are proud to offer MassMutual CareChoiceSM products

These products provide long term care protection, death benefits, plus rising cash value. Policyowners are eligible to receive whole life policy dividends1 --- a significant competitive advantage.

The CareChoice products provide the flexibility to address all the possibilities throughout retirement.

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CareChoice One

This is a participating single premium whole life insurance policy with a qualified long term care insurance rider.

   Care Coordination Services

Materials for financial professional use only
Not approved for use in CA

CareChoice Select

Find out about our participating 10-Pay whole life insurance policy with qualified long term care riders.

   Care Coordination Services

Materials for financial professional use only
Approved in all states except CA and NY

Marketing Materials

Conversation Starters

Built for succeeding together.

We are living longer, active, and fulfilling lives. Today one out of every three 65-year-olds can expect to live past age 90.2 No matter what stage in life your clients are at, now is the time to talk about long term care (LTC).

   Should you Plan for Long Term Care

 Materials for consumer use only

MassMutual's Long Term Care Studies

MassMutual commissioned two studies to learn about long term care (LTC): one with consumers and the other with financial professionals.3

See what we discovered.

MassMutual has focused on protecting our policyowners, since our founding in 1851, so it is very important to us that we know what they are thinking and feeling.

   Overview of Studies
   Complete Overview and Summary
   Long-Term Care Study Whitepaper

Materials for financial professional use only

   Long-Term Care Study Whitepaper
   Living Life on Your Terms

 Materials for consumer use only

Let’s secure more financial futures

Call 1-413-744-1202

Find Your Managing Director

1 Dividends are not guaranteed.

2 Social Security Administration website, Benefits Planner | Life Expectancy. January 2021. Retirement Information for Medicare Beneficiaries, January 2021. https://www.ssa.gov/pubs/EN-05-10529.pdf

3 The MassMutual Long Term Care in America Study was research on consumers, conducted by Greenwald Research in 2022. The MassMutual Long Term Care Study of Financial Professionals was research on financial professionals, conducted by Greenwald Research in 2020.

Single Premium Whole Life Insurance (SPWL-2013, ICC13SPWL and ICC13SPWL in North Carolina, SPWL-NY-2019 and SPWL-FL-2021) and Limited Payment Whole Life insurance (MMCCWL-2019 and ICC19-MMCCWL in certain states, including North Carolina) are participating, permanent life insurance policies issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001.