Honoring Commitments

    Last year MassMutual kept our promise to over 26,000 beneficiaries and paid over $2.7 Billion in life insurance death benefits.

    We are committed to providing you with support, direction, and answers during this difficult time. To file a death claim on a life insurance policy, annuity contract, or a refund of premium on a disability insurance policy, please follow these steps:

    Step 1. Get the claims paperwork sent to you

    Step 2. Submit your claim

    Massachusetts Mutual Life Insurance Company
    1295 State St.
    Springfield, MA 01111-0001


    (866) 329-4527

    What will happen after I've reported a claim?
    We'll assign an examiner to your claim and a letter will be sent within three (3) business days of your notification. The letter will list the beneficiary of record and summarize requirements necessary to complete the claim. Our assigned examiner will be your point of contact throughout the claims process.

    Need help with your claim or need to validate an account?

    Our experts are here for you — (800) 272-2216

    If possible, please have the insured's name, date of birth, date of death, and policy/contract number available.

    Additional Support Numbers

    Other Important Steps

    • Speak with your MassMutual financial professional. They'll assist you with filing the claim and will help you through the process with related information.
    • Locate the deceased's Social Security number. It may be needed for identification purposes.
    • Locate and review the deceased's will. Important instructions regarding final arrangements may be in the deceased's will. Review it before making final arrangements.
    • Order six or more death certificate copies. You'll need these to settle the estate and to provide to us and other agencies that require it. Request these from the funeral director or county clerk's office.
    • Review the contents of the deceased's safe deposit box, if they have one. Safe deposit boxes often store important documents, valuables and instructions, which you may need. You'll need permission for access unless already authorized.
    • Contact government agencies; these may include:
    • Locate important documents. The documents needed depend on the situation. Depending on the personal circumstances involved, this may include legal papers, insurance policies, business documents, investment and financial documents, and real estate papers. For a more complete list, refer to our document checklist.
    • Request a copy of the estate plan from their attorney. If the deceased didn't have an attorney, you may need legal assistance to help settle the deceased's estate.
    • Advise creditors, such as banks and credit card companies, of the loss.
    • Apply for survivor benefits from organizations. Check for money or other benefits that may be due from organizations such as unions, Social Security, trade associations, and others. You'll need to complete certain forms, from these organizations, and have documentation such as the death certificate and Social Security number on hand.
    • Contact the deceased's current and former employers' human resources departments. There may be benefits from life insurance, retirement funds, and profit sharing, for example.
    • Contact an accountant or tax professional. Certain taxes may need to be paid or papers filed for the tax year. These may include:
      • Federal estate tax
      • State death taxes
      • State inheritance taxes
      • Federal and state income taxes
    • Notify the post office.
    • Notify those who had a business or personal relationship with the deceased. For example:
      • Eye doctor
      • Dentist
      • Health insurance provider
      • Specialists
      • Pharmacy (ensure recurring mail order prescription deliveries are stopped)
      • Magazines
      • Health club/recreational club
      • Volunteer organizations
      • Automobile club
    • Contact email and other online resources. Deactivate social networking accounts, contact online payment systems such as PayPal and check photo storage sites that may have irreplaceable photo libraries.

    Frequently Asked Questions

    Let's review answers to frequently asked questions as we help you through your life insurance claim.

    Life insurance beneficiary claim payment options

    We provide you with a choice of payment elections. Your MassMutual financial professional or claims representative can answer your questions and provide more information (exceptions and restrictions may apply).

    Lump-Sum Payment Elections

    • A lump sum may be selected for any benefit amount. If no option is selected, payment will be made by lump sum check. Electronic Fund Transfer (EFT) payment is available.

    • The Benefit Management Account (BMA) is an interest-earning draft account (similar to a checking account), which allows you to withdraw funds any time.

      You may close the BMA at any time and place the remaining funds in another payment election. The BMA is part of MassMutual's general account and is subject to the claims of our creditors. The BMA is not a bank account and is not insured by the FDIC. MassMutual may make a profit on amounts left in the BMA. For more information on the BMA, refer to the claim form.

    Other Payment Options

    You may select one of the following payment elections to receive your payment in an income stream or to accumulate interest.

    • This allows you to leave your benefit payment in an interest-bearing account with MassMutual. With this, you may withdraw funds by written request up to four times per year. You may choose to receive interest payments on your funds monthly, quarterly, semiannually or annually – or you can allow the interest to remain in your account and accumulate.

    • This allows you to select to receive your policy proceeds over a specific period of time, up to 30 years, and you choose the frequency of your payments: monthly, quarterly, semiannual or annual. We'll determine the amount of each payment, based on the total amount due to you and the interest rate in effect at the time of your claim.

    • This allows you to select the amount of each payment and choose the frequency of payments: monthly, quarterly, semiannual or annual. You'll receive payments based on the total amount due to you from the policy proceeds (plus interest) until all funds are fully depleted. You may also withdraw funds by written request up to four times per year.

    • Lifetime income payment elections are available for individual beneficiaries. You may select one of these to receive proceeds in a predetermined manner for your lifetime; however, if you do, you can't choose any other payment election at any time.

    • This provides payments to you for the remainder of your lifetime.

    • This provides payments to you for your lifetime. Payments are guaranteed for as long as it takes for the income you receive to equal the policy's benefit amount (the 'Installment Refund' period). If you outlive this, you'll continue to receive income; if not, the remaining guaranteed payments will continue to be made to your beneficiary and end on the final guaranteed payment.

    • This provides payments to you for your lifetime and a guaranteed number of payments that your beneficiary will receive if they outlive you in your 5-, 10- or 20-year 'Guaranteed Period.'