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 build guaranteed cash value , which you can use however you want. Participating whole life insurance is eligible to earn dividends,1 which can be used to increase the death benefit and the cash value of the policy. Or there are other options you could choose, such as using dividends to help pay premiums.



Already know what you want?











Who should consider whole life insurance?

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 insurance features and benefits


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

NEED MORE INFORMATION?









What is the process for getting a whole life insurance policy?

Illustration - video conference call

When you work with a financial professional, you can expect:

    • Analyze
    • During your initial phone call, your financial professional will ask you questions to understand your financial goals and objectives.

    • Recommend
    • 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.

    • Purchase
    • 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.

    • Review
    • 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.

Contact a Financial Professional







Why MassMutual

  • Since

    1851

    we’ve been helping people secure their future and protect the ones they love

  • Nearly

    $775B

    of protection in force

  • Named for the

    7th    

    year in a row to World’s Most Ethical Companies list

  • Delivered

    $5.7B

    in insurance and annuity benefits




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).