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What is MassMutual's convertible term policy and how does it work?

MassMutual's Convertible Term policy is designed to give you the security of death benefit coverage for a specified time period and the flexibility to convert that coverage into a whole life policy that provides lifetime protection at an affordable rate. Because this particular policy is algorithmically underwritten, it can be applied for online and approved in real-time. In other words, you receive an immediate decision and coverage can begin right away. In order to continue the coverage, you do need to complete a medical exam within 90 days. Then, for a period of 1 year up to 10 years, depending on your age, MassMutual's convertible term insurance gives you the right to convert all or a portion of your policy to a permanent policy that offers you lifetime protection and other benefits at an affordable rate.

While convertibility might not be for everyone, we believe in empowering you with options and flexibility as your needs and circumstances change. If you have children, a partner, or elderly parents that need financial protection immediately, but you can't afford the higher premiums of lifetime protection through a whole life policy, a convertible term could be a great solution to solving your immediate need but also keeping the option to switch to a lifetime protection at an affordable rate in the future as your financial circumstances stabilize or improve.

Get the coverage you need, at your convenience.

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FAQs

Want to know more about MassMutual and their convertible term life policy?

Check out Frequently Asked Questions. Don't hesitate to contact me with questions about your specific needs.

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Help When You Need It

With a shortened application and faster coverage decision, you can apply for a MassMutual policy entirely on your own, or turn to me for as much help as needed.  

Karen Melo Ticas, CFP has over 12 years of experience in helping clients get the right coverage for their needs.

If you have any questions, please reach out to Karen directly at (877) 568-7526 or [email protected].

You may also schedule a call with her for personalized advice and step-by-step guidance on applying for life insurance.

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Application Checklist

To help make the Coverpath application process as efficient as possible, you should have the following before getting started:

  • Driver’s license number and expiration date
  • Social Security Number
  • Current height and weight
  • Personal and family medical history

This will allow Mass Mutual to check your driving record, prescription history and the Medical Information Bureau (MIB) to determine if you immediately qualify for coverage.

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What Are The Possible Outcomes of My Online Application?

When a client applies for MassMutual convertible term life insurance through Coverpath, there are three paths to get a policy, two of which require a paramedical exam:

  1. Express path: Immediate acceptance with no medical exam required
  2. (TLIC) Temporary Life Insurance Coverage: Approved for temporary coverage. Medical exam needed within 90 days
  3. Knock Out: No decision reached / does not qualify for TLIC. Requires medical exam within 30 days.

In the event you need an exam, a trained paramed will meet with you to: review family medical history; measure blood pressure, height and weight; and collect blood and urine samples.

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How much life insurance makes sense?

Our life insurance needs calculator will help you determine how much coverage is right for you.

With Coverpath, you can apply online for up to $1,000,000 of insurance.

If you need more, we will help you apply for that additional amount. 

Check out a sample below and request your personalized assessment today!


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MassMutual Convertible Term, a term life insurance policy (ICC18TFC), and MassMutual Whole Life 100, a participating whole life insurance policy (ICC18WL), are issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111. Advisors are licensed insurance agents/brokers of Massachusetts Mutual Life Insurance Company.  Issuance of the policy or payment of benefits may depend upon the answers given in the application and the truthfulness thereof.