Our Products

MassMutual’s long history and experience with quality products allow us to offer one of the most extensive insurance product portfolios in the industry. What this means to you is a broad spectrum of products designed to meet your clients’ needs.

Whether you’re helping clients protect the ones they love, start a business, or plan for retirement, we’ve got products that can help.

Life Insurance

Our robust suite of life insurance products and riders enabled you to customize a personal protection strategy for you business and individual clients.

Whole Life Insurance

Whole life insurance is a permanent policy, which offers guaranteed protection that lasts a lifetime. Participating whole life insurance can be a great way for your clients to protect their families and business right now, while planning for the future. MassMutual's whole life insurance products can help your clients address a variety of needs now and throughout their lives.

Features:

Death benefit
Builds cash value
Opportunity to earn dividends¹

¹ Dividends are not guaranteed.

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Term Life Insurance

Term life is affordable and premium payments remain the same for the amount of time that works best for your client, such as 10 or 20 years. And if your client’s needs change, many term policies have the option to convert to a permanent life insurance policy.

Features:

Death benefit
Affordable Coverage
Often convertible

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Universal Life Insurance

Your client’s lives change, so you need solutions that can help them keep up. A universal life insurance policy offers permanent life insurance with flexible premiums. This allows your clients to adjust the amount they pay each year–even month to month–as long as they have enough account value. In addition, MassMutual offers policies with a guaranteed death benefit.

Features:

Death benefit
Flexible premiums
Potential to build account value

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Variable Universal Life Insurance (VUL)*

We know that choice can make all the difference. So if your clients want a permanent life insurance policy that lets them make their own investment choices within their policy, consider variable universal life insurance (VUL). VUL allows flexible premium payments, allowing your client to choose the amount and the frequency of their payments within certain limits. A VUL policy provides access to many different investment options, which allows your client to choose options that align with their financial goals and tolerance for market and investment risk.

Features:

Death benefit
Flexible premiums
Account value potential
Investment options

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Protection for today. Opportunity for tomorrow. A look at Variable Universal Life Insurance

Disability Income Insurance

Your client’s income is most likely their biggest asset. Without it, it would be difficult for them to financially support themselves and their loved ones in the event they were unable to work due to sickness or injury. Offer them income protection with MassMutual's flexible product portfolio of disability income (DI) insurance products for individuals and businesses, which have the ability to earn dividends.¹

For eligible clients who are issue age 50 or younger, no medical exam or financials are required for monthly benefit amounts up to $6,000.²

Disability Income Insurance

Satisfy clients’ unique needs including those with:

Variable incomes
Specialized occupations
High income
Retirement saving plans
Business overhead expenses
Student debt

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^{Policies have exclusions and limitations. Product availability may vary by state. Contact your Brokerage Director to learn about the DI products available in your area.}

Annuities

There are many different ways to think about retirement, and one client’s dreams may not appear on anyone’s bucket list but their own. No matter how they envision retirement, having the freedom to live life their way will depend, at least in part, on having a secure source of reliable income. Annuities are one of the few sources of retirement income that can guarantee¹ income for life.

PRODUCT	KEY CONSIDERATIONS	FOCUS	DEATH BENEFIT PROTECTION	LIFETIME INCOME OPTIONS ($)
DEFERRED FIXED ANNUITY	Guaranteed fixed interest rate Tax-deferred² growth Principal protection	Tax-deferred accumulation
DEFERRED INCOME ANNUITY (DID)	Flexible purchase payments Guaranteed income generally begins no earlier than 13 months after contract issue No liquidity (limited exceptions on some products)	Future income needs	Most DIA options provide for a return of purchase payment(s) if you die before income payments begin. After annuity income payments begin, any death benefit payable will be based on the annuity option you have chosen.

Client Download:

Growth, income & peace of mind – fixed annuities and CDs

¹Guarantees are based on the claims paying ability of the issuing company.
²There is no additional tax-deferral provided when an annuity contract is used to fund a tax-qualified retirement plan. Investors should only buy an annuity contract for the annuity’s additional features, such as lifetime income payments and/or death benefit protection.

Long-Term Care Planning Solutions

Long term care (LTC) is expensive and the costs continue to rise. That’s why it is so important that your clients plan for their future long term care needs. MassMutual has planning solutions available to help you get the conversation started — and keep it going.

CareChoice One

Help your clients prepare for the possibilities.

About

A single premium life/LTC combination product with a quick and easy underwriting process. Streamlined underwriting, a medical exam is generally not required, but may be necessary in certain situations, and significantly reduced turnaround times.

Features

Provides a pool of LTC benefits
Pays a death benefit
Allows clients to cancel their policy at any time for the Policy Surrender Value
Opportunity to earn dividends¹

Client Downloads

_{Refer to the CareChoice One State Availability Chart to determine the kit and/or state-specific materials to order for your location.}

LTCAccess Rider

About

Provides an additional layer of protection, allowing clients to use a portion of the whole life policy’s death benefit to help pay for long term care.

Features

Available with MassMutual Whole Life Legacy policies

Sales Support

Learn about how we support you. and your clients with advanced sales concepts and materials for specialty markets.

Learn More

^₁_{Certain disability income insurance policies offered by MassMutual pay dividends, if any are declared, to the “premium payor” who may not be the policyowner. Dividends are not guaranteed.}

_{²A paramedical exam and financials are generally not required, but may be necessary to determine insurability in certain circumstances.}

_{³State-specific versions are necessary. Check LTCAccess Rider State Availability Chart for details.}

_{*Before purchasing a variable universal life insurance policy, clients should carefully consider the investment objectives, risks,charges, and expenses of the policy and its underlying investment choices. For this and other information, obtain the prospectus for the policy and the prospectus (or summary prospectuses if available) for its underlying investment choices from their registered representative. Please read the prospectus carefully before investing. To offer or sell MassMutual and subsidiary company variable products, producers must be registered with MML Investors Services, LLC., or a broker dealer that has a selling agreement with MML Distributors, LLC. Principal Underwriters: MML Distributors, LLC (MMLD) and MML Investors Services, LLC (MMLIS), Members FINRA (hyperlink to both FINRA and SIPC), and SIPC. MMLD and MMLIS are subsidiaries of Massachusetts Mutual Life Insurance Company, 1295 State Street, Springfield, MA 01111-0001.}

_{Taxable withdrawals are subject to ordinary income tax and, if made prior to age 59 ½, may be subject to an additional 10% federal income tax.}

_{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.}

_{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).}

_{Securities offered through registered representatives of MML Investors Services, LLC (MMLIS), Member SIPC® (www.SIPC.org), or a broker-dealer that has a selling agreement with MML Distributors, LLC (MMLD), Member SIPC®, or MML Strategic Distributors, LLC (MSD). MMLIS, MMLD, and MSD are subsidiaries of Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001, Members FINRA (www.FINRA.org).}

https://www.massmutual.com

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