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Long Term Care & Life Insurance Combination

CareChoice One and CareChoice Select are whole life insurance policies with long term care riders. They provide three important guaranteed benefits:

  • A pool of long term care benefits (LTC Benefit Pool)
  • A death benefit
  • A Policy Surrender Value (surrender value) that increases over time

Note that receiving LTC benefits reduces the death benefit and Policy Surrender Value.

Contact a financial professional

Policy features and benefits

Flexible benefits
CareChoice policies provide a benefit whether you need long term care, never need care, or if you decide to cancel the coverage and receive the surrender value.

Protect your retirement
A policy may help you protect your retirement assets from being depleted by long term care expenses.

Valuable dividends
Policyowners are also eligible to receive dividends. While not guaranteed, MassMutual has paid policy dividends to eligible participating policyowners every year since 1869.

Underwriting is necessary for both the life insurance policy and the LTCI Rider. A medical exam is generally not required, but may be necessary in certain situations.

What is the process for working with a financial professional?

illustration of two figures in virtual meeting

When you work with a financial professional, you can expect:

    • Analyze
    • During your initial phone call, your financial professional will ask you questions to understand your financial goals and objectives.

    • Recommend
    • After looking at your entire financial picture, your financial professional will provide you with suggestions to fill in the gaps so you can choose the products best suited for your situation.

    • Purchase
    • If you're satisfied with their recommendations, they work with you to secure the products and services to help ensure your financial future. This may require a medical exam.

    • Review
    • Your financial professional can work with you over time through periodic reviews to help you monitor the strategies in place, and their capacity to continuously meet your goals.

Contact a financial professional

Why MassMutual



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 12/31/23

named for the


year in a row as a Best Place to Work for Disability Inclusion according to the Disability Equality Index®



insurance and annuity benefits paid to policyowners and other customers in 2023

This information is not for use by residents in the following state(s): CA, HI, MT, NY.

The purpose of this material is the solicitation of insurance.

Single Premium Whole Life Insurance (SPWL-2013, SPWL-NY-2019, ICC13SPWL and ICC13SPWL in North Carolina) is a participating, permanent single premium life insurance policy issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.

Limited Payment Whole Life insurance (MMCCWL-2019, and ICC19-MMCCWL in certain states, including North Carolina) is a participating, permanent, level-premium life insurance policy issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.

For costs and further details of LTC Rider coverage, including exclusions and reductions or limitations, contact your agent/producer or MassMutual at 800-272-2216 for a referral to an insurance agent/producer who will contact you.

ICC20 LI7450