Hybrid Life & Long Term Care | MMSD

Hybrid Life & Long Term Care

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

For immediate assistance, contact the MMSD Sales Desk. We’re here to help.

   Call 1-800-601-9983, Option 1, then 4

   Find Your Regional Vice President


Overview    |  Products    |  Marketing Materials

Overview

Flexibility to Adapt

We are proud to offer MassMutual CareChoice℠ 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

A closeup of two hands holding another hand

CareChoice One

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

   Overview
   Presenting An Illustration
   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
   Presenting An Illustration
   Care Coordination Services

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

Marketing Materials

Conversation Starters

Did you know that two-thirds of Americans age 40 and up have done little to no planning for their long-term care needs?2 No matter what stage in life your clients are at, now is the time to talk about long term care (LTC).

    How to Have the Conversation
    Overcoming Objections During the Conversation
    The Three-Step Process: Securing an Agreement from Your Client on the Necessity of Creating a Plan

Materials for financial professional use only

   Should you Plan for Long Term Care

 Materials for consumer use only

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

Next Steps

Call 1-800-601-9983, Option 1, then 4

Find Your Regional Vice President

1 Dividends are not guaranteed.

2 SOURCE: 2017 Associated Press-NORC Center for Public Affairs Research, with funding from The SCAN Foundation.

3 The MassMutual Long Term Care in America Study was research on consumers, conducted by Greenwald Research in 2019. 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, SPWL-NY-2019 and ICC13SPWL in certain states, including North Carolina) is a participating, permanent single premium life insurance policy issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001. Limited Payment Whole Life insurance (MMCCWL-2019 and ICC19-MMCCWL in certain states, including North Carolina) is a participating, permanent, level-premium life insurance policy issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.