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1Dividends are not guaranteed.
2Certain 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.
3A paramedical exam and financials are generally not required, but may be necessary to determine insurability in certain circumstances.
4Guarantees are based on the claims paying ability of the issuing company.
5There 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.
Taxable withdrawals are subject to ordinary income tax and, if made prior to age 59 1/2, may be subject to an additional 10% federal income tax.
FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.
The products and/or features may not be available in all states.
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.
Life insurance products issued by Massachusetts Mutual Life Insurance Company (MassMutual) and its subsidiaries, C.M. Life Insurance Company (C. M. Life) and MML Bay State Life Insurance Company (MML Bay State), Springfield, MA 01111-0001. C.M. Life and MML Bay State are non-admitted in New York.
MassMutual Whole Life 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)) are level-premium, participating, permanent life insurance policies issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001.
MassMutual Term life series policies (Policy Forms: TL-2018 and ICC18TL in certain states, including North Carolina) are non-participating, annually renewable term life insurance policies issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001.
UL Guard (Policy Forms: CMULG-FL-2024, CMULG-CA-2024, CMULG-SC-2024 and ICC24-CMULG in certain states, including North Carolina) is a non-participating flexible premium adjustable life insurance policy issued by C.M. Life, a wholly-owned subsidiary of MassMutual. C.M. Life is non-admitted in New York. UL Guard (Policy form: MMULG-NY-2024 in New York) is issued by MassMutual. Both C.M. Life and MassMutual are located in Springfield, MA 01111-0001.
Single Premium Whole Life Insurance (SPWL-2013, ICC13SPWL and ICC13SPWL in North Carolina, SPWL-NY-2019 and SPWL-FL-2021) is a participating, permanent single premium life insurance policy issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001.
Limited Payment Whole Life insurance (MMCCWL-2019 and ICC19-MMCCWL in certain states, including North Carolina) is a participating, permanent, level-premium life insurance policy issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001
Annuity products are issued by Massachusetts Mutual Life Insurance Company (MassMutual) and C.M. Life Insurance Company. C.M. Life Insurance Company, Springfield, MA 01111-0001, is non-admitted in New York and is a subsidiary of MassMutual, Springfield, MA 01111-0001.
MassMutual RetireEase [Contract Form #SPIA05; SPIA05 (NC)] is a single premium immediate fixed annuity contract issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111.
MassMutual RetireEase Choice (Contract form #FPDIA12 and ICC12-FPDIA12 in certain states, including North Carolina) is a flexible premium, deferred income annuity contract issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.
MassMutual RetireEase and MassMutual RetireEase Choice are not Medicaid-friendly deferred annuities and the use of them in conjunction with Medicaid planning is prohibited.
MassMutual Stable Voyage℠ (Contract Form #SPFA11.1, SPFA11.1-Rev, and ICC13-SPFA11.1 in some states including NC) is a single premium deferred fixed annuity contract issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111.
MassMutual Premier Voyage℠ [Contract Form #FPFA22-PV, and ICC22-FPFA-PV in some states including NC] is a fixed deferred annuity contract issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111.