No-lapse guarantee with competitive short-pay premiums

Introducing 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.

From Massachusetts Mutual Life Insurance Company (MassMutual®) and C. M. Life Insurance Company (C.M. Life), a wholly-owned subsidiary of MassMutual

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Let’s discuss strategies to meet clients where they are in their financial life cycle with MassMutual’s diversified life insurance portfolio.

Call us at 1-413-744-1202 or find your managing director.

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UL Guard

UL Guard offers guaranteed protection for clients who want to ensure a death benefit for loved ones.

This permanent life insurance provides the ability to guarantee coverage based on a duration and premium frequency that best fits their needs.

And offering SUL Guard (second-to-die).

UL Guard is a permanent life insurance solution, offering:

  Guaranteed no-lapse death benefit

  Competitive short-pay premium payments

  A solution for tax-advantaged estate planning strategies

Long term protection for generations

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No-lapse guarantee

Offers clients guaranteed death benefit protection up to age 121.

Paying the required planned premium as scheduled will ensure that the coverage won’t terminate during the no-lapse guarantee period.1

Explore the UL/SUL Guard playbook
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Product flexibility

Clients can choose their no-lapse guarantee duration, select a premium frequency and amount that fits their budget, and pick the death benefit that matches their needs.

Review the value of UL Guard
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Living benefits

UL Guard offers additional benefits through riders designed to provide financial support for unexpected life events.

Understanding where Guaranteed Universal Life (GUL) fits
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Let’s talk strategy

Find your managing director (PDF) or call the MMSD sales desk 1-413-744-1202.

UL Guard and SUL Guard are flexible premium life insurance policies issued by Massachusetts Mutual Life Insurance Company (MassMutual®) and C. M. Life Insurance Company (C.M. Life), a wholly-owned subsidiary of MassMutual.

1 Paying premiums late or less than planned, taking loans or withdrawals, or making certain other policy changes could negatively affect the no-lapse guarantee and ultimately cause the policy to terminate before the end of the guarantee period.

FOR FINANCIAL PROFESSIONALS. NOT FOR USE WITH THE PUBLIC.

Any guarantees explicitly referenced herein are based on the claims-paying ability of the issuing insurance company.

The information provided is not written or intended as tax or legal advice. MassMutual, its subsidiaries, employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

The products and/or certain features may not be available in all states. State variations may apply.

UL Guard (Policy Forms: CMULG-FL-2024, CMULG-CA-2024, CMULG-SC-2024 and ICC24-CMULG in certain states, including North Carolina) is a non-participating flexible premium adjustable life insurance policy issued by C.M. Life, a wholly-owned subsidiary of MassMutual. C.M. Life is non-admitted in New York. UL Guard (Policy form: MMULG-NY-2024 in New York) is issued by MassMutual. Both C.M. Life and MassMutual are located in Springfield, MA 01111-0001.

SUL Guard (Policy Forms: CMSULG-FL-2024, CMSULG-CA-2024, CMSULG-SC-2024 and ICC24- CMSULG in certain states, including North Carolina) is a non-participating survivorship flexible premium adjustable life insurance policy issued by C.M. Life, a wholly-owned subsidiary of MassMutual. C.M. Life is non-admitted in New York. SUL Guard (Policy form: MMSULG-NY-2024 in New York) is issued by MassMutual. Both C.M. Life and MassMutual are located in Springfield, MA 01111-0001.