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Platinum Pass Program

MassMutual's Platinum Pass Program offers eligible fully underwritten individuals up to twice the current coverage or $5 million, whichever is less, without the inconvenience of an exam and blood work. To learn more, click here to check out our materials for criteria, list of carriers, program parameters and how to submit business.

Consider use of alternatives to examiner visits
Follow lab kit processing instructions for PCP option

New Business and Underwriting offers alternatives to examiner visits for fluids and physical measurements. This article has been updated to report that all applicants who choose ExamOne can use a Quest Diagnostics Patient Service Center.

Express DI Underwriting Program

We are increasing the available monthly benefit amount from $6,000 to $10,000. From $6,001 to $10,000, we require the completion of:

  • Tele-CMI
  • Milliman Claims Data Check
  • Submission of financial requirements for our review

The DI underwriter will order the Tele-CMI and follow the life insurance process, so there is no need to complete the A50 Part 2 or order a Paramed.

Refer to the flyer for program details and the Disability Underwriting Requirements Guide (DI1053) for the published financial requirements. All other parameters of the program will apply. Review New Business News for best practices to accelerate new business submission and bypassing medical exams.

Options for submission without exams

  • Special Path Fluidless Program
    • Term and Whole Life Products except High Early Cash Value
    • Riders available: ABR, ALIR, WP, GIR, RTR 
    • Applicants ages 17-50 
    • Up to a maximum coverage of $1,000,000 ($750,000 in NY & PR through EZ-App)
    • Up to $750,000 - All Standard and preferred classes
    • $750,001-$1M - Ultra Preferred NT, Select Tobacco

Other non-exam options include: 

<strong>Fixed Annuities</strong>

Fixed Annuities

As your clients enter into the years leading to retirement, retirement risks may be magnified, as there is less recovery time in the event of a market downturn. As part of a long-term retirement strategy, it may be worth considering moving savings into solutions that protect from market downturns.

<strong>CareChoice One / CareChoice Select</strong>

CareChoice One / CareChoice Select

CareChoice One offers a combination of benefits that make it an attractive long term care planning option for many prospects. This includes a pool of benefits that can be used to help pay long term care expenses, an income tax-free death benefit if long term care is never needed, or the option to surrender the policy at any point for the Policy Surrender Value.

CareChoice Select is a long term care/life insurance combination product designed to help your clients prepare for their future long term care needs. It is a participating, 12-payment whole life insurance policy with two LTC riders.

<strong>Juvenile Insurance</strong>

Juvenile Insurance

Juvenile insurance is coverage in cases up to age 16 ½ years of age and $5 million death benefit or less. The coverage is purchased in anticipation of future insurance needs and to protect against the possibility of future impairments that could render the child uninsurable, at lower cost.  Current products may provide a savings vehicle with the case accumulation protected from current taxation.