Insurance, Annuities, and Investments
Whole life insurance can help protect your spouse during retirement or become a legacy for your loved ones or a favorite charity. It also provides guaranteed cash value that you can access at any time for any need, including funds to help pay for college, cash to support your business, or income in retirement. So if you have loved ones or businesses that depend on you, you should consider whole life insurance.
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.
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
Policyowners are also eligible to receive valuable dividends. While dividends are not guaranteed, MassMutual has paid them to eligible participating policyowners every year since 1869.
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When you work with a financial professional, you can expect:
During your initial phone call, your financial professional will ask you questions to understand your financial goals and objectives.
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.
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.
Your financial professional will work with you over time through periodic reviews to help you monitor the strategies in place, and their capacity to continuously meet your goals.
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1 Dividends are not guaranteed.
2 Access 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.
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).