Life Insurance

A life insurance policy from MassMutual can help your loved ones pay college tuition, mortgage payments, and even help cover retirement income gaps in the event of your passing. And some of our permanent policies offer the opportunity to build cash value, which you’re able to use however you’d like.1

How does life insurance work?

With term and permanent life insurance, you make premium payments so that in the event of your passing, your loved ones and beneficiaries will receive the death benefit proceeds from the policy. Term insurance is for a specific period of time whereas permanent is for life as long as the premiums are paid.

Do I need life insurance?

If you have anyone that depends on you financially or if you don’t want to leave your loved ones with burial costs or debt, then the answer is yes. And if you’re just starting out and want to lock in an affordable rate for when you have a family, different types of life insurance can help with that, too.



Death Benefit

Medical Underwriting

Immediate Decision

Participating Whole Life Insurance

  • Build cash value
  • Opportunity to earn dividends2
  • Guaranteed death benefit


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Term Life Insurance

  • Affordable
  • Often convertible


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MassMutual® Direct Term

  • Apply online
  • Simple application process
  • Affordable

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Universal Life Insurance

  • Flexible premiums
  • Potential to build account value


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Variable Universal Life Insurance (VUL)

  • Flexible premiums
  • Investment options
  • Potential to build account value


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What is life insurance?



Life insurance term to permanent questions

Life insurance is available at every stage of life. See if a term or permanent policy is right for you.

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Nine questions you
should ask about
life insurance

Want to purchase a life
insurance policy? MassMutual
is here to help. Here are nine
questions you should ask
yourself and a financial

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MassMutual® Direct

Apply Online

Get affordable coverage quickly
with MassMutual® Direct Term.

Apply Now

Why MassMutual?

About Us

1Access 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.

2Dividends are not guaranteed.

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).

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 (