Group Universal Life Insurance

For protection that keeps up with your needs.

MassMutual's Group Universal Life Insurance gives you affordable, permanent, portable coverage with flexible premiums that help you keep up with the changes in your life.

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Protecting tomorrow by planning today

Peace of mind
With MassMutual's Group Universal Life Insurance, paying the target premium amount will guarantee coverage to age 85, provided your target premiums are paid on time and no loans or withdrawals are taken. The premiums necessary to keep the certificate in force may increase at the end of the target coverage period.
Flexibility
Paying more than the target premium will build account value and may extend the coverage beyond the target coverage period.
Value that grows
Depending on the premium you pay, your policy may accumulate account value to supplement your retirement income, pay for a child's education, or other needs.1

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1 Withdrawals or loans from the certificate may have tax consequences. You should consult your tax advisor. Withdrawals are not subject to taxation up to the amount paid in to the certificate (cost basis). If the certificate is a Modified Endowment Contract, loans and/or withdrawals will be taxable to the extent of the gain and are subject to a 10% tax penalty.

Loans and/or withdrawals will also reduce the net surrender value and loans may reduce the death benefit. Taking a loan could have adverse tax consequences if the certificate terminates before the insured's death.

State variations may apply.

Group Universal Life insurance (GPUL), (policy/certificate forms MM-GPUL-2015 and MM-GCUL-2015, and MM-GPUL-2015 (NC) and MM-GCUL-2015 (NC) in North Carolina) is flexible premium, non-participating permanent life insurance. The GPUL policy and GCUL certificates are issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.