Whole Life Insurance

Whole life insurance is a permanent policy, which gives you guaranteed protection for your loved ones that lasts a lifetime. With whole life insurance, unlike term, you earn guaranteed cash value, which you can use however you want. Participating whole life insurance is eligible to earn dividends,1 which can increase the death benefit and the cash value. Or there are other options you could choose, such as using dividends to help pay premiums.

Death Benefit

Whole life ensures a guaranteed death benefit, which means that your loved ones will receive a lump sum of money regardless of how long you live.

Build Cash Value

With whole life, the policy builds cash value over time that can be used to help you pay for college, supplement your retirement income, or for emergencies.2

Opportunity to Earn Dividends

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

1Dividends are not guaranteed.

2Access 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.

Planning

What is life insurance?






Watch

Retirement

Supplement your retirement income

Discover how whole life insurance can help you during retirement.

Learn More

Why MassMutual?

About Us

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).