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MassMutual Offers Enhanced New Business & Underwriting Guidelines to Support Your Business in Challenging Times

With the unprecedented outbreak of the coronavirus (COVID-19) pandemic, MassMutual  is committed to helping all of our firms, advisors and customers through this turbulent time. These temporary COVID-19 underwriting guidelines are subject to change or may be withdrawn at any time.

<strong>Platinum Pass Program</strong>

Platinum Pass Program

MassMutual's Platinum Pass Program offers eligible fully underwritten individuals up to twice the current coverage or $3 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.

<b>Platinum Pass Term Program (NEW!)</b>

Platinum Pass Term Program (NEW!)

Eligible clients age 18-50 that have been fully underwritten by MassMutual in the past 3 years at standard or better class, may apply for an additional term life insurance policy with a face amount no more than their existing policy from $100,000 minimum to $3 million maximum.  Program is available through December 31st


<strong>Term Life Conversions (</strong><b>NEW!)</b>

Term Life Conversions (NEW!)

Allows clients to convert all or a portion of their term coverage to a MassMutual permanent life insurance product. You do not have to be the current servicing agent to convert the term policy. MassMutual is allowing a 25% increase in face amount with no additional underwriting requirements on conversions of Vantage Term to whole life insurance.



<b>Grace period extension</b><b>&#160; (NEW!)</b>

Grace period extension  (NEW!)

Through December 31st, grace period extension has changed from 30 to 90 days. Policyowners have an extended grace period to exercise guaranteed insurability riders: Guaranteed Insurability Option (GIO), Guaranteed Insurability Rider (GIR), Insurability Protection Rider (IPR), and Future Insurability Option (FIO). These riders guarantee policyowners the right to purchase a specified amount of insurance without evidence of insurability on election option dates. The new policy will still be dated on the option date (anniversary date). Contact your Brokerage director for more information on these riders.

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.

Options for submission without exams

We recognize that some paramed examiners are unavailable and some customers may be concerned about completing their exams.  As we navigate these challenges together,  MassMutual is doing all that we can to broaden options for submission without exams.   

Some important updates in response to these challenges include:

  • NEW!  Special Path Fluidless Program
    • Individual Whole Life 100 or 65 policies
    • Riders available: WP, GIR, RTR
    • Applicants ages 18-45
    • Face amounts of $25,000-$250,000
    • $50k-$250K- Select Preferred Best Class (Clients can reapply for ultra-preferred with fluids)
    • <$50K – Standard Best Class
  • Using medical records instead of required exams and attending physician statements for EZ- app and Coverpath
  • Expanding fluidless offers on Coverpath cases to $1 million. 
  • Expand temporary life insurance to 120 days.
  • Increase limits for disability income insurance express underwriting.
  • Increasing flexibility for Signature Care/LTC applications.

Click here for a helpful reference guide that illustrates all of MassMutual’s COVID-19 Underwriting Guidelines for new and pending applications. If your client fits the parameters for MassMutual’s COVID-19 Guidelines, we can try to obtain electronic medical records form the client’s patient portal through 1upHealth.  This portal allows your client to authorize a one-time transfer of any available health records to MassMutual. If records cannot be obtained through 1upHealth, MassMutual will accept electronic medical records from any patient portal. Click here for more information regarding 1upHealth and how to access it. 

Express DI Underwriting Program Temporary Enhancement
MassMutual is making a temporary enhancement to our existing Express DI Underwriting Program to help advisors and customers facing the COVID-19 pandemic until further notice.

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 Navigating Uncertainty for best practices to accelerate new business submission and bypassing medical exams.

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.