It's difficult to predict how your life will change over time. Likewise, it's risky to try and anticipate exactly how much - and for how long - you may need life insurance protection. That's why MassMutual's term life insurance products allow conversion to a permanent policy, regardless of your medical history or condition, within your policy's conversion period. Converting your term policy to a permanent policy means never having to worry about outliving your insurance protection as long as you are able to make the required premium payments to keep the permanent policy in effect.

More Choices
Many insurance companies have convertible term insurance products, but some may limit the choice of the permanent products you can convert to. As a company practice, MassMutual allows you to convert your term policy (other than our one-year non-convertible term) to any one of our permanent life insurance products for sale at the time of the conversion.

Term Conversion Credits
A Term Conversion Credit may be available from certain MassMutual term life insurance products and riders when converted to a whole life policy eligible to receive the credit at the time of the conversion. The credit is applied toward the initial payment for the new permanent coverage.

A Term Conversion Credit may be available from the following products:

	Convertible Annual Renewable Term
	Whole Life Legacy 100 Renewable Term Rider

The following products are currently eligible to receive a Term Conversion Credit:

	Whole Life Legacy 100 (new policies and face amount increases)
	Whole Life 9900 Series in states where Whole Life Legacy 100 is not yet available

Note: Products and riders available to produce a conversion credit and products eligible to receive a conversion credit are subject to change.