Worksite Benefits

MassMutual teams up with employers to provide employee benefit solutions that can help you secure your financial future and protect the ones you love. If your employer offers access to MassMutual voluntary benefits, check out our affordable protection options.

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Voluntary Benefits

Planning for the life you want can be difficult while you’re busy managing the life you have. Group Whole Life Insurance provides permanent, portable, lifetime protection. It has built-in guarantees, with level premiums, it pays a death benefit to your loved ones, and builds cash value that you can access for any reason1. It’s offered at a group rate that may be less expensive than individual coverage. The group whole life certificate is eligible to receive dividends beginning on the second anniversary. While dividends are not guaranteed, MassMutual has paid them every year to eligible participating policy/certificate owners every year since 1869.

Protecting and planning for yourself and your family can be simpler than you think. Group Universal Life Insurance is permanent life insurance that can be customized to meet changing financial needs throughout your life. You benefit from having coverage that provides a death benefit and from an account value that can grow over time.

A critical illness - like a heart attack, or invasive care - can have an emotional, physical, and financial impact on you and your family. Group Critical Illness Insurance can help reduce the financial stress from a covered critical illness, so you can spend less time worrying about your finances and more time focusing on your health.

While it's impossible to completely prevent accidents, Group Accident Insurance can help you be better prepared for their potential financial impact to your life. It provides a lump-sum benefit paid to you, so you can spend less time worrying about expenses and more time healing.

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Making the most of your employee benefits

Maximizing your employee benefits will aid you in reaching your financial protection goals.


Benefits and open enrollment: 5 tips

Make the most of your insurance open enrollment period by avoiding common mistakes.

Portability for these products may not be available in all states.

1Access to cash values through borrowing or partial surrenders will reduce the cash values 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.

2Withdrawals 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 into the certificate (cost basis). If the certificate is a Modified Endowment Contract, loans and/or withdrawals will be taxable to the extent of 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.

3A limited supplemental insurance that is also referred to as Group Specified Disease Insurance.