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

Featured Materials
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)

Featured Materials

Making it easier to do business

We’re committed to removing barriers in underwriting. By streamlining requirements, leveraging technology, and expanding programs, we’re reducing the friction that stands between application and policy issue.

Making It Easier (PDF)

Check out the programs, tools, and enhancements that are making it easier.

Underwriting Sweet Spots (PDF)

MassMutual’s underwriting approach offers competitive advantages in several key niches and sweet spots.

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)
   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)
   Retention and Capacity Comprehensive Guide (PDF)
   MassMutual Large Case Underwriting (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 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.

   Online CMI (PDF)
   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)