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Life Insurance Marketing Hub

Whether the need is for protecting an individual, family, or business, MassMutual's broad portfolio of life insurance products can help your clients meet their goals.

Our Value   |    Conversation Starters   |    Product Portfolio   |    Marketing Materials   |    Why MassMutual   |    Underwriting   |    Contact Us   |    Access Fieldnet

Our Value

MassMutual Whole Life Insurance

MassMutual's flexible whole life insurance products can help your clients meet their long-term financial goals.

A foundation of guarantees

MassMutual whole life products are built on a foundation of guarantees that you and your clients can count on. This includes a guaranteed premium, death benefit, and cash value.

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Tax deferred cash accumulation
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Income tax-free death benefit
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Tax-advantaged access to cash values1

Conversation Starters

Sales Strategies

These featured brochures will help you start a conversation about life insurance with your clients.
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Sales Strategy

Whole Life as a Part of Your Retirement Income Strategy

Whole life insurance can provide additional financial security and flexibility during retirement. This concept focuses on the value of whole life insurance as both a protection and accumulation product.
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Sales Strategy

Market Risk and Your Retirement

Taking income from an equity-based retirement account during a period of negative returns can have a significant effect on the future value of the account. This concept shows how to be better prepared and mitigate the impact of a bear market on a retirement portfolio.
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Sales Strategy

Term Conversion Strategies

MassMutual term insurance includes a valuable option that allows your clients to convert all or a portion of their coverage to permanent life insurance. This is an important advantage when selling term insurance.

For Financial Professionals
  Whole Life and Term Layering Strategy Video

Sales Concepts

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Sales Concept

Whole Life Insurance: The Gift of a Lifetime

Whole life insurance may be the perfect gift because it can help children and grandchildren take the first step toward a secure financial future.

For Your Clients
  Gift of a Lifetime

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Sales Concept

Retirement Planning

Retirement planning has changed significantly over the last several decades. Many people are finding that the traditional sources of retirement income that were relied on in the past are no longer sufficient. A whole life policy can be an effective and efficient way for your clients to accumulate additional funds to supplement their retirement income.
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Sales Concept

Executive Bonus Arrangements

A business owner's success depends upon the efforts of their best people. That’s why it’s important to hire and retain talented, hard-working individuals who can help the business prosper and grow.

Product Portfolio

Whole Life Product Portfolio

MassMutual whole life insurance offers a combination of permanent life insurance protection, cash value accumulation, guarantees, and valuable income-tax advantages. Whole life insurance is a versatile financial asset that can address different financial needs during your clients’ lives.

We offer a flexible portfolio of whole life products that includes products with lower premiums that provide more guaranteed life insurance protection for every premium dollar, and others with higher premiums that have greater cash value accumulation potential.

MassMutual also offers a comprehensive suite of benefits and riders on the whole life products that can fit the needs of your clients.

MassMutual Whole Life products:

Whole Life 8 Pay
Whole Life 10 Pay
Whole Life 12 Pay
Whole Life 15 Pay

Whole Life 20 Pay
Whole Life 65
HECV Whole Life 85

Whole Life 100

Resources to support your business

We offer a comprehensive suite of riders and benefits. This is a few of those to choose from.

For Financial Professionals
LTC Access Rider Overview 

For Your Clients
LTC Access Rider Overview
Waiver of Premium Rider Overview

Marketing Materials

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Marketing Material and Resources

The Whole Life Insurance At A Glance provides you a library of marketing, training, and product and sales tools to help you and your clients.

Why MassMutual

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Mutual by design

Providing dependable value

MassMutual is a mutual life insurance company. That means we don’t have shareholders. We operate for the benefit of our policyowners and members and work every day to make decisions in order to meet their needs in the future.

For Your Clients
Intentionally Mutual
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Long-term growth potential

Dividends have provided significant additional value to our whole life policyowners. While dividends are not guaranteed, MassMutual has paid them to whole life policyowners every year since 1869.

For Financial Professionals
Historical Dividend Interest Rate
For Your Clients
The Dividend Difference
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Stability & Performance

A commitment to financial strength

Our whole life portfolio is backed by the financial strength of MassMutual, and our commitment to providing financial security and long-term value to policyowners.

For Financial Professionals
Creating Value For Policyholders

For Your Clients
A Commitment To Financial Strength
Quality and Performance Report

Strength, stability, and performance


in total adjusted capital3


dividend payout in 2021 to eligible participating policyowners


Insurance and Annuity Benefits paid in 20233


total invested assets

Financial Strength Ratings

MassMutual financial strength ratings are among the highest of any company in any industry.3


Standard & Poor’s (Very Strong)


Moody’s Investors Service (High Quality)


A.M. Best (Superior)


Fitch Ratings (Very Strong)


The MassMutual Underwriting Story

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Our Underwriting philosophy at MassMutual is to say “Yes” when we can and say “No” only when we absolutely must. While we know we can’t win all cases, we plan to win most of them.

We strive to accomplish this by excelling in three areas:
  • Expertise (consultation to help position and place cases)
  • Living Mutually
  • Innovation
Some of the underwriting programs we have implemented to help good business get placed even faster include:
  • Algorithmic Underwriting
  • Fluidless Underwriting
  • Foreign Nationals Program
  • Platinum Pass Program

Contact Us

Interested in learning more about MassMutual Whole Life?

Contact Brokerage Sales

or visit the MassMutual Brokerage webpage for more information

Access Fieldnet

Log in

1 Distributions under a policy (including cash dividends and partial/full surrenders) are not subject to taxation up to the amount paid into the policy (the cost basis). If the policy is a Modified Endowment Contract, policy loans and/or distributions are taxable to the extent of gain and are subject to a 10% tax penalty if the policyowner is under age 59½.

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.

2 These are consolidated statutory results of Massachusetts Mutual Life Insurance Company and its U.S.-domiciled life insurance subsidiaries: C.M. Life Insurance Company and MML Bay State Life Insurance Company.

3 Ratings are as of 1/1/2023 and apply to Massachusetts Mutual Life Insurance Company and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company. Ratings are subject to change.



The information provided is not written or intended as specific tax or legal advice. MassMutual, its subsidiaries, 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.

The products and/or certain features may not be available in all states. State variations will apply.

Whole Life Legacy series policies ((Policy Forms: MMWL-2018 and ICC18-MMWL in certain states, including North Carolina)/ (MMWLA-2018 and ICC18-MMWLA in certain states, including North Carolina)) and MassMutual Whole Life series policies on the digital platform (Policy Forms: WL-2018 and ICC18WL in certain states, including North Carolina) are level-premium, participating, permanent life insurance policies issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001.

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