Life Insurance

Whether the need is for protecting a family or business, MassMutual’s broad portfolio of life insurance products can help your clients. From education funding and retirement planning for individuals, to business planning for key people and estate planning for business owners, MassMutual has a life insurance solution your team can be proud and confident to present to clients.

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

Contact Us

   Find Your Managing Director

If you can't find your Managing Director or need assistance, call the MMSD Sales Desk at 1-800-601-9983. Select option 1, followed by option 1.

Overview    |  Products    |  Dividends    |  Marketing Materials   

MassMutual Whole Life

Lifetime protection and long-term financial value

Introducing MassMutual Whole Life. With guaranteed benefits and valuable income tax advantages, it’s built to be depended on for the long term.



Classic products, innovative results

MassMutual offers whole life, term life, universal life and variable universal life products.

   Product Portfolio

Whole Life Insurance

Overview of the MassMutual whole life product portfolio.

   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

Term Life Insurance

Affordable, flexible term life insurance.

   Product Guide
   Consumer Guide


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


As a mutual life insurance company, MassMutual does not have shareholders. Instead, the company operates for the benefit of its participating policyowners. Participating whole life policies issued by MassMutual are eligible to receive a dividend each year.


Enduring financial strength & value

Since 1851, MassMutual’s business decisions have been guided by a commitment to provide financial security and enduring value to our participating policyowners. We continue to be a mutual life insurance company that operates primarily for the benefit of these policyowners and one of the largest financial services firms in the U.S.

Download PDF

Marketing Materials

Conversation Starters

These featured brochures will enable you to broach the conversation about life insurance with your client. Please reach out for additional materials and to take the next steps toward securing a policy for your client.

Wealth Transfer

   Powerful Tax Benefits from Saving Land
   Estate Equalization Revisited


Business Planning

   Corporate Split Dollar


Guaranteed to fit your life

MassMutual participating whole life insurance offers a combination of life insurance protection, cash value accumulation, guarantees and income tax advantages. Consider some of the ways that a whole life policy may help your clients address different financial needs over the course of their lifetime.

Download PDF (English)

   Guaranteed to Fit Your Life (Chinese)
   Guaranteed to Fit Your Life (Korean)
   Guaranteed to Fit Your Life (Vietnamese)
   Guaranteed to Fit Your Life (Spanish)


Taming a bear market

If your clients are saving for retirement, they're probably used to seeing the value of their retirement accounts go up and down with the financial markets. However, once they retire, this may be a greater concern. Taking withdrawals from their retirement accounts during market downturns can significantly reduce their value over the long term.

Download PDF (English)

   Taming a Bear Market (Chinese)
   Taming a Bear Market (Korean)
   Taming a Bear Market (Vietnamese)
   Taming a Bear Market (Spanish)

Next Steps

Ready to get started?

Find Your Managing Director

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 (Enfield, CT 06082).