Online Term Life Insurance

With MassMutual® Direct Term you can buy term insurance from MassMutual – via a simple and intuitive online application process. It is designed to help you fulfill the immediate life insurance coverage needs of you and your family for a set period of time. Designed for those between the ages of 18 and 64, coverage ranges from $100,000 to $3,000,000.1


Who should consider online term life insurance?

If you have anyone that depends on you financially or if you have financial goals that you want to protect, like paying for college or covering your mortgage, you should consider term life insurance. With online term insurance the application process couldn’t be easier: apply now and receive a timely decision.

Term features and benefits

Death benefit

In the event of your passing, your beneficiaries will receive a lump-sum payment to help cover things like college tuition, income gaps, or paying off the mortgage.


You can get the coverage you need at the price you can afford. Most term policies have level premiums that are guaranteed for a specific period of time (usually 10 or 20 years).


You can convert many term life insurance policies to permanent life insurance without any medical questions or exams.2 Converting allows you access to different types of life insurance that offer financial benefits such as protection for life and cash value.

Need more information?

Compare term life to permanent life insurance options

Ready to purchase online term life insurance?

With MassMutual® Direct Term, you can purchase affordable term life insurance by completing a simple online application. In about 20 minutes, you'll set up an account and answer a series of questions about your health, lifestyle, and beneficiaries. If approved3, you'll receive temporary coverage beginning immediately.

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Why MassMutual

  • Since


    we've been helping people secure their financial future and protect the ones they love

  • More than


    of life insurance protection in force as of 12/31/20

  • Named for the


    year in a row to World's Most Ethical Companies list by Ethisphere® Institute

  • Delivered


    in life insurance and annuity benefits paid in 2020

1 MassMutual Convertible Term is a term life insurance policy (ICC18TFC) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111.

2 Conversion periods and conditions may vary by product.

3 30-minute medical exam may be required. If so, a representative will contact you to schedule an exam at any location you choose.