MassMutual HealthBridge

MassMutual is no longer accepting applications for HealthBridge.

MassMutual HealthBridge was a program offered to frontline healthcare workers and volunteers that provided free term life insurance through MassMutual as a way of supporting them and their loved ones during the COVID-19 pandemic.

Frequently Asked Questions

Why are we no longer accepting applications?

COVID-19 vaccines protect health care personnel while working both in healthcare facilities and in the community when exposed to the virus. As a result, the applications for HealthBridge policies have declined – a positive sign that recovery from the pandemic, while still ongoing, continues. Therefore, beginning Dec. 8, 2021, we stopped accepting new HealthBridge applications. We will continue to honor our commitments to all policies in force throughout their three-year term.

Will policies still be paid out for impacted beneficiaries after the program is discontinued?

Yes. We will continue to honor our commitment to each HealthBridge customer.

Was HealthBridge truly free?

HealthBridge was truly free. MassMutual paid all the premiums for the policies.

How long are/were the terms? Why did you choose 3 years?

HealthBridge provided qualified healthcare workers and volunteers nationwide including the District of Columbia (but not Puerto Rico and the U.S. Virgin Islands) 3-year term life insurance policies (up to $25,000 in coverage) that will be paid to a trust in the name of their designated beneficiaries in the event of their passing. We chose a 3-year term as this coverage to provide protection during the pandemic, and we wanted to reach as many healthcare workers and volunteers as possible with our commitment of $3 billion in coverage. These policy terms remain effective for those policies already issued.

What happens after the term expires (if the customer outlives the three-year term of the HealthBridge policy)?

The policies simply end.

Why is the money paid to a trust and not directly to the beneficiaries?

The program was designed this way to comply with regulatory requirements. The benefit is paid to a trust; however, the funds can be used for a wide range of expenses by beneficiaries, including expenses related to their health, education, maintenance, and support. This includes, but is not limited to, expenses such as funeral and burial costs, household expenses, medical costs, mortgage or rental payments, tuition, fees, books and other educational costs, or any other expenses as approved by the trustee.

Does someone have to pass away from COVID-19 for their loved ones to receive this benefit?

No – the insured person’s cause of death does not need to be related to COVID-19 for their loved ones to receive the benefit from the HealthBridge program.

How is this different than the LifeBridge program?

LifeBridge is a program by MassMutual that helps the children of eligible families in need afford an education in the event a parent or guardian were to pass away. It offers a free, $50,000 ten-year term life insurance policy to those who qualify, and MassMutual pays their premiums. The policy benefits can only be used for educational purposes such as tuition, fees, books, room and board, and school loans.

LifeBridge has provided more than $700 million in free life insurance coverage over the past 19 years, with the goal of eventually surpassing $1 billion.

Who do I contact to submit a death claim?

MassMutual will honor applications submitted through the close of business on Dec. 8 and continue to honor our commitment to all policies in force after Dec. 8. To file a claim, please e-mail or call 812-496-2956.

Insurance products issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111, and its affiliated US insurance companies. Securities and advisory services offered through MML Investors Services, LLC, Member SIPC® and a MassMutual subsidiary.