OUR PRODUCTS

Building and diversifying your business is easy when you align yourself with MassMutual. You will have access to our team of experienced estate and business planning professionals, as well as a wide range of sales ideas and concepts to help you grow your practice and reach new markets.

Help protect your client’s families and businesses right now, while planning for the future.

affordable and premium payments remain the same for the amount of time that works best for your client, such as 10 or 20 years.

A universal life insurance policy offers permanent life insurance with flexible premiums.

Let your clients make their own investment choices within their VUL policy.

Your client’s income is their biggest asset. It would be difficult for them to support themselves if sick or injured.

Annuities are one of the few sources of retirement income that can guarantee1 income for life.

Long term care (LTC) is expensive and the costs continue to rise. It’s so important that your clients plan for their future long term care needs.

WHOLE LIFE INSURANCE

Whole life insurance is a permanent policy, which offers guaranteed protection that lasts a lifetime. Participating whole life insurance can be a great way for your clients to protect their families and business right now, while planning for the future. MassMutual’s whole life insurance products can help your clients address a variety of needs now and throughout their lives.

FEATURES
DEATH BENEFIT
BUILDS CASH VALUE
EARN DIVIDENDS*

Dividends are not guaranteed.

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MARKETING MATERIALS
MARKETING LINK HERE

TERM LIFE INSURANCE

Term life is affordable and premium payments remain the same for the amount of time that works best for your client, such as 10 or 20 years. And if your client’s needs change, many term policies have the option to convert to a permanent life insurance policy.

FEATURES
DEATH BENEFIT
AFFORDABLE COVERAGE
OFTEN CONVERTABLE
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UNIVERSAL LIFE INSURANCE

Your client’s lives change, so you need solutions that can help them keep up. A universal life insurance policy offers permanent life insurance with flexible premiums. This allows your clients to adjust the amount they pay each year–even month to month–as long as they have enough account value. In addition, MassMutual offers policies with a guaranteed death benefit.

FEATURES
DEATH BENEFIT
FLEXIBLE PREMIUMS
BUILD ACCOUNT VALUE
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VARIABLE UNIVERSAL LIFE INSURANCE

We know that choice can make all the difference. So if your clients want a permanent life insurance policy that lets them make their own investment choices within their policy, consider variable universal life insurance (VUL). VUL allows flexible premium payments, allowing your client to choose the amount and the frequency of their payments within certain limits. A VUL policy provides access to many different investment options, which allows your client to choose options that align with their financial goals and tolerance for market and investment risk.

FEATURES
DEATH BENEFIT
FLEXIBLE PREMIUMS
BUILD ACCOUNT VALUE
INVESTMENT OPTIONS
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For eligible clients who are issue age 50 or younger, no medical exam or financials are required for monthly benefit amounts up to $6,000.2

Disability Income Insurance

Your client’s income is most likely their biggest asset. Without it, it would be difficult for them to financially support themselves and their loved ones in the event they were unable to work due to sickness or injury. Offer them income protection with MassMutual’s flexible product portfolio of disability income (DI) insurance products for individuals and businesses, which have the ability to earn dividends.1

Satisfy clients’ unique needs including those with:
VARIABLE INCOMES
SPECIALIZED OCCUPATIONS
HIGH INCOME
RETIREMENT SAVINGS PLANS
BUSINESS OVERHEAD EXPENSES
STUDENT DEBT
DOWNLOADS
MARKETING MATERIALS
MARKETING LINK HERE

ANNUITY SOLUTIONS YOU NEED

There are many different ways to think about retirement, and one client’s dreams may not appear on anyone’s bucket list but their own. No matter how they envision retirement, having the freedom to live life their way will depend, at least in part, on having a secure source of reliable income. Annuities are one of the few sources of retirement income that can guarantee1 income for life.

Client
DEFERRED FIXED ANNUITY
Deferred fixed annuities offer a guaranteed interest rate over a specific period of time, and you won’t have to pay taxes on your earnings until you withdraw them as income. Since there’  no exposure to market risk, your principal is protected.
KEY CONSIDERATIONS
GUARANTEED FIXED INTEREST RATE
TAX-DEFERRED GROWTH
PRINCIPAL PROTECTION
FOCUS
TAX-DEFERRED ACCUMULATION
FEATURES
DEATH BENEFIT PROTECTION
LIFE INCOME OPTIONS
Retirement
DEFERRED INCOME ANNUITY (DID)
A deferred income annuity (DIA) allows you to use a lump sum or multiple purchases to receive a guaranteed1 “retirement paycheck”. The DIA provides guaranteed income (your “retirement paycheck”) beginning at a future date of your choice.
KEY CONSIDERATIONS
GUARANTEED INCOME 13 MONTHSS AFTER CONTRACT ISSUE
NO LIQUIDITY WITH LIMITED EXCEPTIONS ON SOME PRODUCTS
FLEXIBLE PURCHASE PAYMENTS
FOCUS
FUTURE INCOME NEEDS
FEATURES
Most DIA options provide for a return of purchase payment(s) if you die before income payments begin. After annuity income payments begin, any death benefit payable will be based on the annuity option you have chosen.
LIFE INCOME OPTIONS
CLIENT DOWNLOADS

LONG-TERM CARE SOLUTIONS

Long term care (LTC) is expensive and the costs continue to rise. That’s why it is so important that your clients plan for their future long term care needs. MassMutual has planning solutions available to help you get the conversation started — and keep it going.

CARECHOICE ONE
A single premium life/LTC combination product with a quick and easy underwriting process. Streamlined underwriting, a medical exam is generally not required, but may be necessary in certain situations, and significantly reduced turnaround times.
KEY CONSIDERATIONS
PROVIDES POOL OF TLC BENEFITS
OAYS DEATH BENEFIT
CANCEL POLICY FOR POLICY SURRENDER VALUE
DEATH BENEFIT PROTECTION
LIFE INCOME OPTIONS
PROVIDES POOL OF TLC BENEFITS
OAYS DEATH BENEFIT
CANCEL POLICY FOR POLICY SURRENDER VALUE
OPPORTUNITY TO EARN DIVIDENDS*
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LTCAccess RIDER
LTCAccess Rider Provides an additional layer of protection, allowing clients to use a portion of the whole life policy’s death benefit to help pay for long term care. Continue reading to learn more about the features and to download documentation.
FEATURES
AVAILABLE WITH MASSMUTUAL WHOLE LIFE LEGACY POLICIES
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CHRONIC ILLNESS RIDER
FEATURES
Available on the 10, 15, 20, 65 and L100

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