Broker Check

Types Of Life Insurance

Client Centered

Whole Life    

Whole Life 100

Whole Life 100 is our lowest premium whole life policy, with level premiums payable to age 100. 


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Whole Life 65

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


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Whole Life-10Pay through Coverpath

This digital client summary focuses on the features and benefits of the new Whole Life 10-Pay product available on Coverpath.

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Whole Life 10/12/15/20 Pay

Whole Life 10/12/15/20 Pay policies have premiums payable for 10, 12, 15 or 20 years. In general, these policies build cash value more quickly than longer premium paying periods.  For client approved marketing materials, please contact us at: salesandmarketing@fifthavenuefinancial.com

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Whole Life HECV 

Whole Life High Early Cash Value (HECV) was designed for businesses to use in connection with selective benefit programs for key employees and executives. Premiums for HECV are payable to age 85. Face amount increases are available with HECV. 

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Survivorship Life 

Suvivorship Whole Life

MassMutual Survivor 100 is a whole life policy 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 & Variable Universal Life

UL Guard 

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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Apex VUL

Apex VUL is a flexible premium variable universal life insurance policy that combines permanent life insurance protection with the potential for account value accumulation and offers other valuable features and benefits. As a variable life insurance policy, it allows the policyowner to invest the account value (net premiums) in variable investment options and a Guaranteed Principal Account (GPA). 

*** Must have active selling agreement between MassMutual and your current broker dealer.

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Term Annually Renewable Term

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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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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 Term 25 and 30

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


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  Term 15 ECP

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


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 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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