Life Insurance

    Universal Life Insurance

    Your life changes, so you need options that can help you keep up. Universal life insurance provides permanent protection with the flexibility to match your needs. With universal life, you can choose a policy that allows for varying premiums as long as there is enough value in your account. You may also select a guaranteed death benefit option. That way, you can give your loved ones the financial security they deserve — with a policy that works for you.

    Death Benefit

    Universal life insurance is designed to provide permanent coverage to protect your family in the event of your death. Some universal life policies offer an option to guarantee the death benefit as long as specified premiums are paid, so you can feel the peace of mind of knowing you’re covered.

    Flexible Premiums

    If your financial circumstances change month-to-month, a universal life policy can provide the flexibility you need. You can decide how much premium to pay within certain limits, as long as there is enough account value to pay for the monthly insurance and administrative charges. This means you have the option to pay extra sometimes, and less when you might need to.

    Build Account Value

    Depending on the premium you choose to pay, a universal life policy may accumulate account value. You can borrow from your policy to supplement your retirement income, provide funds for a child’s college education, or use it for any other purpose you choose1.

    View Product/Fund Performance and Regulatory Documents

    1 Access to account values through borrowing and/or withdrawals will reduce the cash surrender value and may reduce the policy death benefit. Taking a policy loan could have adverse tax consequences if the policy terminates upon lapse or surrender or before the insured's death.

    Insurance products issued by Massachusetts Mutual Life Insurance Company (MassMutual) (Springfield, MA 01111-0001) and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company (Enfield, CT 06082).

    Workplace Benefit Solutions You Can Take with You for Life.

    MassMutual offers a comprehensive suite of employee and executive benefit solutions that includes life insurance, disability income insurance and retirement plan services. Learn how our workplace benefit solutions can help you secure your financial future and protect the ones you love.
    Explore MassMutual Workplace Benefits

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