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Types Of Life Insurance

Client Centered

Whole Life

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 10/12/15/20 Pay

Whole Life Legacy (Legacy) 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 Legacy Series policies with longer premium paying periods.  For client approved marketing materials, please contact us at:  salesandmarketing@fifthavenuefinancial.com

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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. Premiums for Legacy HECV are payable to age 85. Face amount increases are available with Legacy HECV. 

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Survivorship Life 

Suvivorship Whole Life

MassMutual Survivor Legacy 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

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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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. 


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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