Life Insurance

There’s more to life. Expect more from your life insurance partner.

MassMutual’s life insurance portfolio goes beyond what you may know us for — offering a broad range of solutions to help protect families, businesses, and legacies. With the strength and stability of MassMutual behind every policy, you can better meet client needs with confidence.

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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    Find Your Managing Director (PDF)

If you can't find your Managing Director or need assistance, call the MMSD Sales Desk at 1-413-744-1202.

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Learn more about MassMutual’s life insurance offerings and how they support client goals.

Access tools & resources

Find sales concepts, case studies, and marketing materials to support your conversations.

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Reach out for support, strategy guidance, or help positioning MassMutual products.

Products

Offer clients a diversified portfolio of life insurance backed by MassMutual’s 170+ years of financial strength. Call us today to find out how you can add protection and growth to a client’s overall financial strategy at 1-413-744-1202.

Three blue circles with text in the middle circle, "Guaranteed Universal Life Insurance"

Introducing the New UL GuardSM and SUL GuardSM

Flexible premium universal life policies that offer guaranteed protection for policyowners who want to ensure a death benefit for loved ones.

Review the UL and SUL Guard Overview Producer Video, Playbook and reach out to our expert sales team to start offering your clients permanent life insurance:

  • A no-lapse guaranteed death benefit
  • Competitive short-pay premium payments
  • A solution for tax-advantaged estate planning strategies

New and improved SUL Guard, second-to-die policy, is now available as well.

Whole Life Insurance

Participating whole life insurance from MassMutual® offers a combination of features and benefits that differentiates it from most other financial products.

  Product Guide
  Consumer Guide
  Adjustable Loan Rates

Variable Universal Life (VUL) Insurance

Apex VUL is a flexible, premium variable universal life insurance policy that combines permanent life insurance protection with the potential for account value accumulation.

   Product Guide
   Consumer Guide
   Investor Guide
   Playbook

Survivorship Whole Life Insurance

Survivorship Whole Life policies insure two people and pay the death benefit at the second death.

   Product Guide
   Consumer Guide

Universal Life Insurance

Flexible premium universal life insurance offering the ability to guarantee the death benefit.

   UL Guard Product Guide
   UL Guard Consumer Guide
   SUL Guard Product Guide
   SUL Guard Consumer Guide
   Ul Guard and SUL Guard Playbook

Term Life Insurance

Affordable, flexible term life insurance.

   Product Guide
   Consumer Guide
   At-A-Glance

Sales Concepts

Built for creating opportunities.

These featured sales ideas and case studies will enable you to have a conversation about life insurance, centered on client needs.
Thumbnail: Whole life: The gift of a lifetime
Whole life: The gift of a lifetime (PDF)

Position whole life insurance as a powerful legacy tool. This concept helps clients understand how guaranteed protection and cash value growth can support generational wealth transfer.

Thumbnail: APEX VUL: Retirement supplement strategy
APEX VUL: Retirement supplement strategy (PDF)

Show how Apex VUL can be used to supplement retirement income with market participation and tax advantaged access to cash value.

Thumbnail: UL Guard: Long-term guaranteed protection
UL Guard: Long-term guaranteed protection (PDF)

For clients seeking stability, UL Guard offers guaranteed coverage with predictable premiums—ideal for estate planning and long-term protection.

Thumbnail: Term life: Flexible coverage that grows with you
Term life: Flexible coverage that grows with you (PDF)

Highlight how term life can serve as a foundational strategy, with options to convert or layer coverage as client needs evolve.

To review more case studies and additional support, visit our Life Marketing Hub.

Life Marketing Hub

Education

MassMutual Home Office

MMSD University

This digital knowledge HUB hosts learning content you can access at any time including illustration guides on several of our most popular concepts.
MMSD University

Industry Updates

Interview | Rethinking Retirement

Watch as Joel Liu, Head of Advanced Sales, challenges the traditional retirement planning mindset by emphasizing a holistic three-panel approach.

Dividends1

2025 will mark the 157th consecutive year that MassMutual will pay an annual dividend to its eligible participating policyowners, and it will be the largest in the company’s history at more than $2.5 billion.

Read the press release

Creating Value for Policyowners (2:26)

Since 1851, MassMutual continues to deliver exceptional value to our whole life policyowners, while helping them secure their future and protect the ones they love.

Let’s secure more financial futures

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Find Your Managing Director

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

Insurance products issued by Massachusetts Mutual Life Insurance Company (MassMutual) (Springfield, MA 01111-0001) and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company (Springfield, MA 01111-0001).