Whole Life: Providing Long Term Growth and Dependable Value

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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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Discover a life insurance financial solution designed for dependable, long-term value

MassMutual Whole Life offers an array of guarantees, as well as valuable income tax advantages. And it's all backed by one guiding principle: Offering enduring value to our policyowners.
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MassMutual Whole Life products

Built on a foundation of guarantees that your clients can count on. This includes a guaranteed premium, death benefit, and cash value.
Review the Whole Life Product Guide
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Long Term Growth Potential

While not guaranteed, we have paid dividends every year since 1869, providing our policyowners with significant additional value.
Review our consistently strong historical dividend results
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Retirement Reimagined

Combining the guarantees of whole life insurance with the potential account value accumulation of Apex VUL, gives policyowners the ability to use their policies in ways they may not have thought of before.
Read our case study Explore Life Insurance Solutions
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Let's work together

Find your managing director (PDF) or
call the MMSD Sales Desk at 1-413-744-1202.



FOR FINANCIAL PROFESSIONALS. NOT FOR USE WITH THE PUBLIC.

The information provided is not written or intended as specific 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 will apply.

MassMutual Whole Life series policies (Policy Forms: MMWL-2018 and ICC18-MMWL in certain states, including North Carolina, and MMWLA-2018 and ICC18-MMWLA in certain states, including North Carolina) are level-premium, participating, permanent life insurance policies issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001.

Variable life insurance is sold by prospectus. Before purchasing a variable life insurance policy, investors should carefully consider the investment objectives, risks, charges and expenses of the variable life insurance policy and its underlying investment choices. For this and other information, obtain the prospectuses for Apex Variable Universal Life insurance policy and the prospectuses (or summary prospectuses, if available) for its underlying investment choices. Please read the prospectuses carefully before investing or sending money or recommending to a client.

Policy loans and/or withdrawals reduce the cash surrender value and policy death benefit and may cause the policy to lapse. Taking a policy loan could have adverse tax consequences if the policy terminates before the insured’s death. Policy withdrawals are not subject to taxation up to the cost basis in the policy. If the policy is a Modified Endowment Contract, policy loans and/or withdrawals will be taxable to the extent of gain and are subject to a 10% tax penalty if the policyowner is under age 59½.

To offer or sell MassMutual and subsidiary company variable products, producers must be a registered representative of MML Investors Services, LLC (MMLIS), Member SIPC® (www.SIPC.org), or of a broker-dealer that has a selling agreement with MML Strategic Distributors, LLC. MMLIS and MSD are subsidiaries of Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001, Members FINRA (www.FINRA.org).

Apex VUL (Policy Forms: CMVUL-2023 and ICC23-CMVUL in certain states, including North Carolina) is individual, non-participating, flexible premium, adjustable variable life insurance issued by C.M. Life Insurance Company (C.M. Life), a wholly-owned subsidiary of Massachusetts Mutual Life Insurance Company (MassMutual). C.M. Life is non-admitted in New York. Apex VUL (Policy forms: MMVUL-CA-2020 in California, and MMVUL-NY-2020 in New York), is issued by MassMutual. Both C.M. Life and MassMutual are located in Springfield, MA 01111-0001.

Principal Underwriters:
MML Investors Services, LLC
MML Strategic Distributors, LLC