We support the communities we serve and work in through charitable contributions and leadership. One of the ways we do this is through LifeBridge, a unique free life insurance program that helps children of income-eligible families pay for their education expenses if their insured parent or guardian passes away during the term of the policy. It’s designed to help parents protect their dream of providing an education for their children — even if they can’t be there to provide for them.  We’re proud of the positive impact LifeBridge has on the lives of participating families.

    How LifeBridge Works

    MassMutual’s LifeBridgeSM program provides free, $50,000 ten-year term life insurance policies to eligible parents and legal guardians. MassMutual pays the premiums. In the event that the insured parent passes away during the 10-year period of the policy, a $50,000 death benefit is paid to a trust1. That trust holds the funds to pay for the child’s (or children’s) educational expenses and pays the benefits directly to the school (or schools) attended.

    Money can be used for tuition, fees, books, campus room and board, and other educational expenses. Preschools, private schools, trade schools or colleges and universities all qualify. Children have up to 10 years following their parent’s death (or until they turn 35, whichever is later) to use the benefit. The only program of its kind, LifeBridge has issued more than 14,000 policies since 2002, representing a total of over $700 million in coverage — with an ultimate goal of $1 billion.

    Meet Cheri.


    You are eligible to apply for the LifeBridge Free Life Insurance Program if you are:

    • Between the ages of 19 and 42;
    • The parent or legal guardian of one or more dependent children under 18;
    • A permanent, legal resident of the United States;
    • Currently employed full or part time with a total family income not less than $10,000 or more than $40,000 annually;
    • The only parent or legal guardian in your household who has applied; and
    • In good health as determined by MassMutual’s underwriting guidelines.

    You are not eligible if you:

    • Have been diagnosed with heart disease, cancer, HIV or type 1 diabetes;
    • Currently abuse drugs or alcohol or have abused them within the last 10 years; or
    • Are currently on probation.

    Additional underwriting will apply.

    How to apply

    LifeBridge helps ensure children will be able to continue their education in the event of a parent’s death. If you are interested in applying for a LifeBridge policy, please fill out an Eligibility Form. MassMutual will use the information to determine if you are eligible to apply. 

    Interested In Applying?
    Download the LifeBridge Eligibility Brochure.

    1Trust services are provided by the MassMutual Trust Company, FSB, a wholly owned stock subsidiary of MassMutual.

    Insurance products issued by Massachusetts Mutual Life Insurance Company (MassMutual) (Springfield, MA 01111) and its subsidiaries, C.M. Life Insurance Co. and MML Bay State Life Insurance Co. (Enfield, CT 06082).C.M. Life Insurance Co. and MML Bay State Life Insurance Co., are non-admitted in New York.