Long Term Care & Life Insurance Combination

CareChoice One is a single premium whole life insurance policy with a qualified long term care insurance rider. You can use a portion of your savings to pay the single premium. The policy provides three important guarantees:

     • 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.

CareChoice One features and benefits

Flexible Benefits

CareChoice One provides a benefit whether you need long term care, never need care, or if you decide to cancel coverage and receive the surrender value.

Protect Your Retirement

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

Valuable Dividends

Policyowners are also able to receive dividends from the whole life portion policy. While not guaranteed, MassMutual has paid 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.


This information is not for use by residents in CA.

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. For costs and further details of LTCI 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.

ICC19 LI7370