Life Insurance

    Variable Universal Life (VUL)

    If you want to protect the future of your loved ones and make your own investment choices within your policy, variable universal life insurance (VUL) may be the right choice. VUL also allows you to select the amount and frequency of your premium payments within certain limits. MassMutual products offer many different investment options, available through the VUL Separate Account divisions, from highly recognized fund companies.

    Death Benefit

    Variable universal life insurance is designed to provide permanent coverage to protect your loved ones. The death benefit can be used to replace lost income, leave a legacy for the next generation, or for any other purpose. You can choose to have a level death benefit or one that that includes account value.

    Flexible Premiums

    As long as you have enough value in your account to pay for the monthly and administrative charges, you can vary your premium payments. Within limits, you can decide how much and when you will pay. That flexibility allows you to plan your premium payments around everything else that’s going on in your life.

    Potential to Build Account Value

    A variable universal life policy may accumulate account value, depending upon the premium you choose to pay and the performance of your investment options. The values in the separate account divisions are not guaranteed. Allocating premium to these investment options may provide account value accumulation and growth but the account value may also decline or reach negative values. 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.

    Investment Options

    VUL offers you the freedom to choose how often and how much premium you pay, and select how to allocate premium dollars among the investment options (from some of the country’s most recognized fund companies) or to the Guaranteed Principal Account (GPA). The GPA is a fixed account; amounts allocated to the GPA are guaranteed and earn interest daily2. The variety of choices allows you to select options that align with your goals and tolerance for market and investment risk.

    View Product/Fund Performance and Regulatory Documents

    Before purchasing a MassMutual variable universal life insurance policy, you should carefully consider the investment objectives, risks, charges and expenses of the policy and its underlying investment choices. For this and other information, obtain the prospectus for the policy and the prospectuses (or summary prospectuses, if available) for its underlying investment choices from your registered representative. Please read the prospectuses carefully before investing or sending money.

    Securities offered through registered representatives of MML Investors Services, LLC (MMLIS), Member SIPC® (, or a broker-dealer that has a selling agreement with MML Distributors, LLC (MMLD), Member SIPC®, or MML Strategic Distributors, LLC (MSD). MMLIS, MMLD, and MSD are subsidiaries of Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001, Members FINRA (

    1 Withdrawals and decreases in Face Amount may have tax consequences. You should consult your tax advisor. Policy withdrawals are not subject to taxation up to the amount paid into the policy (cost basis). If the policy is a Modified Endowment Contract, policy loans and/or withdrawals will be taxable to the extent of gain and are subject to a 10% tax penalty. Policy loans and/or withdrawals also 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 before the insured's death.

    2 Guarantees are based on the claims paying ability of the issuing company or companies.

    Still not sure what you need?

    Select a Goal and We'll Help You Get There