Broker Check

Types Of Life Insurance

Whole Life

Whole Life Legacy HECV 

Whole Life Legacy High Early Cash Value (Legacy HECV) was designed for businesses to use in connection with selective benefit programs for key employees and executives. The higher early cash values in early policy years help reduce the impact on corporate balance sheets when an executive benefit program is initiated by the corporation. Premiums for Legacy HECV are payable to age 85. Face amount increases are available on Legacy HECV.


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Whole Life Legacy 100

Whole Life Legacy 100 (Legacy 100) is our lowest premium whole life policy, with level premiums payable to age 100. Face amount increases are available on Legacy 100


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Whole Life Legacy 65

Whole Life Legacy 65 (Legacy 65) offers level premiums payable to age 65, after which the policy is guaranteed to be paid up. Legacy 65 can be fully funded by retirement and accumulates cash value more rapidly than Legacy 100. Face amount increases are available on Legacy 65.


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Whole Life Legacy 20 Pay

Premiums for Whole Life Legacy 20 Pay (Legacy 20 Pay) are payable for 20 years. Legacy 20 Pay accumulates cash value more rapidly than whole life policies with longer premium paying periods and can be used when paying to age 65 is too long or short of a premium paying period for a given insured.


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Whole Life Legacy 10 Pay

Premiums for Whole Life Legacy 10 Pay (Legacy 10 Pay) are payable for 10 years. In general, Legacy 10 Pay accumulates cash value faster than other Legacy Series policies.


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CareChoice One

MassMutual CareChoice One is a single-premium whole life insurance policy with a qualified long-term care insurance rider (LTCI Rider). CareChoice One provides an LTC planning solution for consumers who value flexibility, guarantees and growth.


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Survivorship Life 

Suvivorship Whole Life and Survivorship Whole Life 20 Pay

MassMutual Survivor Legacy 100 and Survivor Legacy 20 Pay are whole life policies that insure two people and pay the benefit at the second death. In general, the premium for a survivorship policy is lower than it would be for a policy insuring just one person for the same face amount.


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SUL Guard

Survivorship Universal Life Guard (SUL Guard) is a second-to-die, flexible premium universal life insurance product offering lifetime insurance protection with the option of a no-lapse guaranteed death benefit. SUL Guard offers flexible premium payments and a choice of two Death Benefit Options.


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Universal Life

UL Guard 2

Universal Life Guard (UL Guard) offers affordable, permanent life insurance coverage to help protect your family or business from financial loss when you die. It provides a death benefit that can be guaranteed for an affordable premium but has limited ability to accumulate account value.


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Universal Life Navigator

Universal Life Navigator (UL Navigator) is a flexible life insurance product that can adapt to your changing needs over time to help protect your family or business.  It offers coverage for life, account value accumulation, income tax advantages and other benefits.


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SUL Guard

Survivorship Universal Life Guard (SUL Guard) is a second-to-die, flexible premium universal life insurance product offering lifetime insurance protection with the option of a no-lapse guaranteed death benefit. SUL Guard offers flexible premium payments and a choice of two Death Benefit Option.


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Term Life

Vantage Term life insurance provides affordable coverage with the flexibility to meet your client’s long term protection needs. Vantage Term provides six different protection duration options, depending upon how long your client needs coverage. Whether they’re looking for life insurance with premiums that start out low and increase annually, or they prefer a guaranteed level premium for a specific number of years (e.g., 10, 15, 20, 25 or 30 years), Vantage Term can provide a solution. 

A combination of term and permanent life insurance is the best way to meet their long term protection needs. That’s why they have the option to convert all or a portion of your Vantage Term coverage to any of MassMutual’s permanent life insurance products (excludes MassMutual & CareChoice One). How long they have to convert will depend on age and the term product purchased. 



*Extended Conversion Period.  Available in all states except NY.

Vantage Term ART

Convertible to the earlier of the 10th anniversary and the age 65 anniversary – but with a minimum conversion period to the 5th anniversary.


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Vantage Term 10, 15 and 20

Convertible to the earlier of the 10th anniversary and the age 65 anniversary – but with a minimum conversion period to the 2nd anniversary.


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 Vantage Term 25 and 30

Convertible to the earlier of the 10th anniversary and the age 65 anniversary.


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  Vantage Term 15 ECP*

Convertible to the earlier of the 15th anniversary and the age 65 anniversary.


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 Vantage Term 20 ECP*, 25 ECP* and 30 ECP*

Convertible to the earlier of the 20th anniversary and the age 65 anniversary.


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