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African Americans: Building a Financial Legacy


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Helping you reach your financial goals is what we do. Offering a range of high quality insurance products, including whole life insurance, is one way we do it. When you’re a MassMutual participating policyholder, you’re also an owner of the company. This means we operate for your benefit, and you may be eligible to receive a dividend. We've paid dividends consistently since the 1860s1.

Understanding Whole Life vs. Term Life Insurance

Our whole life insurance gives you the security of knowing your loved ones will be protected when they’re on their own. Also, as the policy develops cash value over time, you can take care of more immediate needs, like paying college tuition or supplementing your retirement income2.

When the immediate priority is life insurance protection at the lowest cost, term life insurance can be an efficient solution, allowing you to convert to permanent coverage later. To better understand whole life versus term life insurance, get our brochure "Why rent when you can own?"

Top 10 Questions to Ask When Planning for Financial Security

“Financial Security.” Seldom have two words led to more questions for more people. So let’s break it down to the important stuff: (1) What matters most to you? (2) Who matters most to you?

Now there are plenty of potentially overwhelming questions to be asked. But when you start by tackling the most important questions first, the answers and other relevant questions will fall into place. And that’s the first step to coming up with the best financial plan for you.

So get started now - download the "Top 10 Questions to Ask."

Life Events

Will I be able to roll with the punches?

Life is filled with uncertainty - that’s just a fact. Things change and priorities shift. Sometimes you just don’t know what’s going to happen next. And no matter how intelligent and thorough you may be, it’s nearly impossible to craft a financial strategy that can account for every single life event.

The one thing you can do to prepare is build a solid yet flexible financial strategy that’s capable of adjusting to the uncertainties your future is sure to hold. It’s about considering where every road may lead and setting yourself, and your family, up for success. So your children (and your children’s children) have the chance to live their dreams. Then, put that well-conceived plan into action, and prepare those dreams for reality. A sound financial strategy can help you meet the challenges while creating a better future for your family.

No matter what financial circumstances come your way, MassMutual has solutions designed to help.

Ready to make a good decision?

1 Dividends are not guaranteed.

2 Access to cash values through borrowing or partial surrenders will reduce the policy's cash value and death benefit, increase the chance the policy will lapse and may result in a tax liability.

Insurance products issued by Massachusetts Mutual Life Insurance Company (MassMutual), 1295 State Street, Springfield, MA 01111-0001 and its subsidiaries C.M. Life Insurance Company and MML Bay State Life Insurance Company, 100 Bright Meadow Boulevard, Enfield, CT 06082.

Principal Underwriters: MML Distributors, LLC (MMLD) and MML Investors Services, Members FINRA ( and SiPC ( MMLD and MML Investors Services are subsidiaries of Massachusetts Mutual Life Insurance Company, 1295 State Street, Springfield, MA 01111-0001.


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© 2014 Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001. All rights reserved.