Life Insurance

    Whole Life Insurance

    Whole life insurance is a powerful way for you to help protect your loved ones, now and in the future. By offering permanent protection with premiums that never increase, whole life allows you to provide for your family even when you can’t be there for them. But that’s not all — unlike some other forms of life insurance, whole life policies build cash value you can use while you are living to help meet a wide range of your financial goals1.

    Death Benefit

    When you choose whole life insurance to protect those who matter most, you choose protection that is guaranteed to last a lifetime. Your premium will never go up and the guaranteed coverage amount won’t change. So whether you just experienced the birth of your first child, or you are several years into your retirement, you can feel the comfort of knowing you’re covered.

    Build Cash Value

    Many people choose whole life insurance because it can help them reach financial goals while they are living. A whole life policy accumulates cash value which is guaranteed to increase over time. You can borrow from your policy for many different reasons, including to help pay for college, supplement your retirement income, or provide cash for emergencies1.

    Opportunity to Earn Dividends

    Whole life policyowners are also eligible to receive dividends. Any dividends you receive can be used to increase your life insurance protection and grow your cash value. Although they are not guaranteed, MassMutual has paid dividends to eligible participating policyowners consistently since the 1860s.

    Access to cash values through borrowing or partial surrenders will reduce the policy's cash value and death benefit, increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured.

    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).

    PLAN FOR THE UNEXPECTED WITH

    Essential ProtectionSM

    You rely on your income for just about everything. Don’t you want to keep it safe?  Essential Protection can help you do just that using a combination of life insurance and disability income insurance.

    Life Insurance

    Life insurance offers financial protection for your family and beneficiaries when you die.

    Disability Income Insurance

    Disability income insurance pays benefits if you become too sick or hurt to work.

    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

    Still not sure what you need?

    Select a Goal and We'll Help You Get There

    Close