Variable Universal Life Insurance

We know that choice can make all the difference. So if you want a permanent life insurance policy that lets you make your own investment choices within your policy, consider variable universal life insurance (VUL). VUL allows flexible premium payments, allowing you to choose the amount and the frequency of your payments within certain limits. A VUL policy provides access to many different investment options, which allows you to choose options that align with your goals and tolerance for market and investment risk.

Death Benefit

Most VUL policies allow you to choose a level death benefit or one that includes account value. The death benefit can be used to replace lost income, leave a legacy for the next generation, or for anything else you choose.

Flexible Premiums

As long as you have enough value in your account to pay for the monthly cost of insurance and administrative charges, you can vary your premium payments. Within limits, you can decide how much and when you will pay.

Account Value Potential

A variable universal life policy may accumulate account value, depending on the premium paid and investment performance. You can borrow from the account value for any purpose you choose.1

Investment Options

With VUL, you can allocate premium dollars among the investment options or to the Guaranteed Principal Account (GPA). The GPA is a fixed account; amounts allocated to the GPA earn guaranteed interest daily.2

View Product/Fund Performance and Regulatory Documents

1Access to account values through borrowing and/or withdrawals 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 upon lapse or surrender or before the insured's death.

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

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Before purchasing a 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.


The information provided is not written or intended as specific tax or legal advice. MassMutual, its employees, and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel. 

Securities offered through registered representatives of MML Investors Services, LLC (MMLIS), Member SIPC® (www.SIPC.org), 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 (www.FINRA.org).

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).