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.

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Overview
Products
Marketing Materials

Illustration: Blue calculator inside of a dark blue circle with the words "Cost of Care Estimator" below the circle

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.

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Overview

A grandfather holding his grandson on the beach

Flexibility to Adapt

We are proud to offer MassMutual CareChoice^SM 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.

Products

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CareChoice One

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

Overview
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.

Overview
Care Coordination Services

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

Marketing Materials

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.² See what we discovered.

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

Materials for financial professional use only

Living Life on Your Terms

Materials for consumer use only

Let’s secure more financial futures

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¹ Dividends are determined annually, subject to change and not guaranteed.

² 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.