Group Whole Life Insurance

For lifetime protection.

Let's face it: Life happens. With MassMutual@WORK Group Whole Life Insurance, you can be more prepared for the unexpected. It's protection for your entire lifetime, plus it has the ability to build cash value that you can borrow from for any reason.1

Consider the whole picture

Built-in guarantees
MassMutual@WORK Group Whole Life Insurance comes with three value guarantees:
•Guaranteed death benefit
•Guaranteed cash value
•Guaranteed level premium

Certificate owners are eligible to receive dividends each year beginning on the certificate's second anniversary. Although dividends aren't guaranteed, we've paid them to eligible participating policyowners ever year since 1869.

Portable coverage
This coverage can be the perfect complement to the group life insurance employers typically offer. You own the certificate along with the accumulated cash value and you can take it with you, even if you change jobs.


1 Access to cash values through borrowing or partial surrenders will reduce the certificate’s cash value and death benefit, increase the chance the certificate will lapse, and may result in a tax liability if the certificate terminates before the death of the insured.

Group Whole Life insurance (GPWL), (policy/certificate forms MM-GPWL-2014, and MM-GCWL-2014, and MM-GPWL-2014 (NC) and MM-GCWL-2014 (NC) in North Carolina), is level-premium, participating permanent life insurance. The GPWL policy and GCWL certificates are issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.


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.



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