Underwriting

Our responsive underwriting team can assess the risk of any case, offering you efficient and competitive underwriting support so you can close more business faster.

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Speak to your BGA for more information or call MassMutual Strategic Distributors at 1-800-601-9983.

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On This Page

Newsletter
Life Insurance
Disability Income

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Digital Life Field Underwriting Guide

The new digital Field Underwriting Guide makes it easier to navigate both medical and non-medical guidelines, to help you set clear expectations and deliver a better life insurance experience for clients.

Life Field Underwriting Guide (PDF)

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Find the latest newsletter from our MMSD Underwriting Teams which feature underwriting program updates, industry insights, and more.

   Updated! Life Field UW Guide - March 2026 (PDF)
   New DI Enhancements - January 2026 (PDF)
   Our Life Underwriting Commitment to You - October 2025 (PDF)
   New Digital Life Field Underwriting Guide - September 2025 (PDF)
   Expanding Coverage for HIV-Positive Applicants - June 2025 (PDF)
   Underwriting Strengths with Retention & Capacity - May 2025 (PDF)
   Introducing MassExpress - April 2025 (PDF)

Life Insurance

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Underwriting Guidelines

This section includes broker requirements and underwriting guidelines to make decisions regarding prospective clients.

   New Digital Life Field Underwriting Guide (PDF)
   Ordering and Reimbursement of Underwriting Requirements Guide (PDF)
   Life Underwriting Requirements Quick Reference Guide
   Preferred Underwriting Guidelines (PDF)
   Financial Underwriting Reference Guide (PDF)
   Juvenile Life Insurance Underwriting Guide (PDF)
   Updated Retention Limit Guidelines: Professional Athletes, Private Aviation; Super Pool (PDF)
   Foreign Travel Guidelines (PDF)
   Foreign Nationals Underwriting Overview (PDF)
   Guidelines for Foreign Citizens Living in the U.S. (PDF)
   MassMutual Underwriting Sweet Spots (PDF)
   MassExpress Reference Guide (PDF)
   Making It Easier (PDF)

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Underwriting Programs

This section features underwriting program flyers, checklists, and guides.

   Platinum Pass Term Underwriting Program Eligibility Checklist (PDF)
   Platinum Pass Underwriting Program: In-depth Producer Guide (PDF)
   Express Path Fluidless Program (PDF)
   Special Care Life Underwriting Program (PDF)
   Special Care Life Underwriting Program Resource Guide (PDF)

Disability Income Insurance

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This section features helpful program guides and information needed for the solicitation, writing, and servicing of MassMutual’s disability income insurance business.

   DI Field Underwriting Guide (PDF)
   Starting Professional Program (PDF)
   DI Reference Manual (PDF)
   Issue and Participation Limits (PDF)
   Underwriting Requirements Guide (PDF)
   Express DI Underwriting (PDF)
   Federal and Public Employee Multi-Life Discount (PDF)
   Military Physician and Dentist Underwriting Program (PDF)
   Executive Underwriting Program (PDF)
   Business Owner Underwriting Program (PDF)
   1099 Employee Underwriting Guidelines (PDF)
   Restricted Stock Units (PDF)
   Additional Benefit Option (PDF)
   Non-U.S. Citizen Underwriting Guidelines (PDF)
   Occupational Class Upgrades (PDF)
   Entertainment Industry Underwriting Guidelines (PDF)