Insurance, Annuities, and Investments
Get answers to frequently asked questions about registration, login, and self-service features available for your policy and accounts on MassMutual.com.
An account on MassMutual.com saves time and makes updating policy details — on your preferred device — easy. After you've claimed your account, a personalized Dashboard provides a snapshot of your policies and accounts with MassMutual. You can view policy details, including people on your policy, beneficiaries, outstanding loans, payments due, value, investment selections, and more. You can also set up recurring payments, change your address, change beneficiaries, view 1099 forms, view policy statements, and find helpful financial resources.
Anyone can create an account on MassMutual.com. However, only policy owners, and those representing a trust or corporation can claim their accounts and view details after logging in. Beneficiaries, insured, payors, and other relationship types cannot register and claim accounts related to a policy.
Account Creation and Login
- There are a few reasons why you may not be able to log in to your MassMutual online account:
- Outdated Credentials - We updated our registration and login service in October 2018. If you have not logged in since then, you will need to sign up for a new online account.
- System maintenance - We will post a message on the login screen indicating that the system is currently offline due to maintenance. Please revisit the login page later.
- Outdated or unsupported browser - Try accessing your account from a different browser.
You will need an email address and a phone number. For individuals who represent a trust or corporation, you will need your policy number and Tax Identification Number (TIN).
You are interacting with a security feature whose intent is to ensure you are a person and not an automated bot. This is an approach commonly used by fraudsters to gain access. This is normal and is required if you are prompted. To learn more, visit ReCAPTCHA.
You must supply a unique email address for each policy owner and/or representative of a trust or corporation. We implemented this strategy in order to protect you as a customer. We understand this makes it difficult for some households and individuals who own a personal policy as well as represent a trust or corporation. We are actively researching solutions for these customer relationships.
MassMutual takes your security very seriously and in response to the changing technological landscape, we believe providing this information is the best way to ensure your business with us is safe and we are only interacting with you, our customer, and not someone pretending to be you. All of your personal information is secure and not shared with other parties.
Yes. You can update your username, password, and security phone number by logging in and visiting Login Settings under Your Profile and following the steps provided. You may be prompted to verify your new email or phone number.
If you no longer have access to the email you used as your username and have forgotten your password you will need to call our Service Center at 1-888-357-0053 Monday - Friday 8 a.m. - 8 p.m. ET to have it changed.
If you no longer have access to the phone number you previously used to authenticate, choose a different phone number during login. We may walk you through additional security measures in order to process the change.
Yes. At this time, this is the most secure way for us to ensure your account is safe and cannot be bypassed.
On your dashboard, scroll down to the Quick Actions section and click ‘Change my address’' to get to the ‘Account Settings’ page. Then, click the ‘Edit” button for the address you want to change.
Yes. In addition to paperless billing, customers with a variable life or variable annuity are eligible to choose paperless for the following document types:
- Prospectus supplements
- Fund statements (annual or semi-annual).
If you have a variable life or variable annuity, click the “Settings” button at the top of the page and select the “Account Settings” option. The option to elect paperless delivery is at the bottom of the ‘Account Settings’ page.
If you are on a monthly payment frequency, paperless billing will be disabled.
For your life insurance accounts, log into MassMutual.com to view your beneficiary(ies). On your dashboard, click the blue tile for your policy. From the policy details page select ‘People on Policy’. Expand the drop down box to view beneficiary(ies). If you select ‘View/Manage your Beneficiaries’ you can initiate a beneficiary change.
To change the recipient of benefits for your disability income policy or annuity, please contact the Service Center at 1-800-272-2216.
Log into your account, click on the tile of the relevant policy, and select either the “Cash Value Quote” or “Policy Coverage Summary” from the Quick Actions.
For insurance accounts, log into MassMutual.com to download your 1099 form(s).
On your dashboard, click "Documents" at the top of the screen, then select the policy from which you would like to view 1099 forms.
For annuity accounts, log into MassMutual.com to download your 1099 form(s).
On your dashboard, click the blue tile for your policy. From the Quick Actions section, select 'View 1099s'.
For insurance and annuity accounts, log into MassMutual.com to download your policy statement(s).
On your dashboard, scroll down to the Quick Actions section and click "Download annual statements".
Log in or register to view the value of your eligible MassMutual products. If applicable, the value is displayed within Policy Details after clicking on the blue product tile from the dashboard.
"Call for Value" is displayed when the value is unavailable on MassMutual.com and may require a customer service representative or your financial professional to assist. Please call the Service Center at 1-800-272-2216 or your financial professional for more information.
We’re here to help you through this difficult time. You can find information on initiating most claim types by visiting the Claims Center. You can also contact your financial professional or call our Service Center at 1-800-272-2216.
We would love the opportunity to understand why you want to cancel your policy and how we can help. To discuss alternative options or have us assist you with cancellation, please call 1-800-272-2216 or reach out to your financial professional.
Log in or register to view your financial professional(s) profile and contact information.
At this time, we do not offer the capability to manage your dividends online.
Billing and Payments
Log in or register and select the "Billing and Payments" option at the top of the page. Choose the appropriate policy from the dropdown and click on the "Pay" button.
For non-policyowners, you can make a payment using our Guest Pay option. On the MassMutual home page, select the "Billing and Payments" option at the top of the page, and then select the "Guest Pay - One Time Payment" option.
Log in or register and select the "Billing and Payments" option at the top of the page. Choose the appropriate policy from the dropdown and select the AutoPay option. You will have the option to set up Premium, Loan, or Loan Interest AutoPay.
For non-policyowners, you may establish recurring payments using our Guest Pay option. On the MassMutual home page, select the "Billing and Payments" option at the top of the page, and then select the "Guest Pay - Recurring Monthly Payment" option. Please note that you may only set up monthly recurring payments using this option. For policies on an annual, semi-annual, or quarterly billing frequency, the policyowner must log in to establish recurring payments.
Log in or register, select “Billing and Payments” on the top of the page, and then select the "Banks" option. You will have the option to either edit an existing bank or save a new one. Please also note that bank information is automatically saved once you make a payment as a registered user.
The paperless billing option will allow you to receive email notification that you have a premium due, which will provide you with a link to access your bill and make a payment.
To sign up for paperless billing, log in or register. Select the "Billing and Payments" option at the top of the page and then choose the appropriate policy from the dropdown. Go to the "Paperless" option, select "Turn On" and complete the appropriate information.
- Please note the following exception:
- Certain states require us to mail a paper bill even if you have elected paperless billing.
- If you do not pay your bill within 30 days of the due date, we are required to send you a reminder notice in the mail.
Log in or register and select the "Billing and Payments" option at the top of the page. Choose the appropriate policy from the dropdown and then navigate to the "Pay" tab. If you have an existing bill due, you will be able to view and download it here. Outstanding bills will also be shown in the "To Do" section on the Dashboard. Bills are available approximately 30 days prior to your payment due date.
Yes, MassMutual offers an online guest payment option. On the MassMutual.com home page, select the “Billing and Payments” option at the top of the screen. You will have the option to make a one-time payment or establish monthly recurring payments.
However, we recommend that you create an account. With a MassMutual account, you can make online payments, set up recurring payments, view your bill, elect paperless billing, save bank information, and more.
You may choose to establish monthly recurring payments if you are on annual, semi-annual, or quarterly billing. However, all other frequency changes cannot be completed online. Please contact our Customer Service Center at 1-800-272-2216 for assistance Monday - Friday 8 a.m. - 8 p.m. ET.
Log in or register and select the "Billing and Payments" option at the top of the page. Select the appropriate policy from the dropdown and then select the "Edit" option to update or cancel your recurring payment. If you are making changes on the date the withdrawal will occur, you must do so by 4 p.m. ET. Any changes made after 4 p.m. ET will be effective for the next scheduled withdrawal date.
Please note that monthly recurring payments cannot be cancelled online. Please contact our Customer Service Center at 1-800-272-2216 for assistance Monday- Friday 8 a.m. – 8 p.m. ET.
Log in or register and select the "Billing and Payments" option at the top of the page. Choose the appropriate policy from the dropdown. Your outstanding loan balance will display along with a link to make a loan payment or set up recurring payments.
Log in or register and select the "Billing and Payments" option on top of the page. From the dropdown, select the policy for which you would like to make a loan interest payment. If your loan interest bill is due, you will see a link to make a payment. Otherwise, you can go to the AutoPay tab and set up recurring payment on loan interest.
If you receive an annual, semi-annual, or quarterly bill for your premium, your loan interest will be billed with the policy premium on your policy anniversary date. Loan interest is due in full (partial interest payments cannot be made).
If you receive a separate bill for loan interest, you may make a one-time online payment or you may take advantage of our loan interest Autopay feature to establish recurring payments.
At this time, we do not accept online credit card payments. Please contact our Customer Service Center at 1-800-272-2216 to determine if you are eligible to make a credit card payment.
We do not support the option of making one payment to cover multiple policies. Payments must be made at the individual policy level. However, you are able to save your banking information at the customer level, so you can choose any previously added bank when making an online payment or setting up recurring payments.
Log in or register and select “Billing and Payments” at the top of the page. Click on the Banks tab and edit your bank information.
Yes, if your policy is eligible for a loan, you can request it online. To determine if you are eligible, log in or register and select the blue tile for the appropriate policy and then select "Loans." If your policy is eligible for a loan online, the amount available and loan interest rate will display, along with an option to initiate the loan request. However, there are certain conditions where the pre-filled loan application, along with any additional required forms must be submitted via mail.
If you are not eligible to request the loan online, a message will display instructing you to contact our Customer Service Center to determine your eligibility.
When choosing our direct deposit option, your loan proceeds will be available within 2-3 business days once processed. Check requests are typically mailed within 2-3 business days, but may take 7-10 business days to receive due to mailing time. All checks are mailed to the address of record as indicated in your loan application.
Yes, loan proceeds may be directly deposited into your checking or savings account. Select Direct Deposit option when completing your loan request.
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