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Life Insurance

A life insurance policy from MassMutual can help your loved ones pay college tuition, mortgage payments, and even help cover retirement income gaps in the event of your passing. And some of our permanent policies offer the opportunity to build cash value, which you’re able to use however you’d like.1

How does life insurance work?

With term and permanent life insurance, you make premium payments so that in the event of your passing, your loved ones and beneficiaries will receive the death benefit proceeds from the policy. Term insurance is for a specific period of time whereas permanent is for life as long as the premiums are paid.

Do I need life insurance?

If you have anyone that depends on you financially or if you don’t want to leave your loved ones with burial costs or debt, then the answer is yes. And if you’re just starting out and want to lock in an affordable rate for when you have a family, different types of life insurance can help with that, too.

There are multiple kinds of life insurance, but let's start with the two basics:

Term Life Insurance

If you’re sure you want life insurance, but aren’t sure you can afford it, a term life insurance policy may be a great option. Term life is affordable and your premium payments remain the same for the amount of time that works best for you, such as 10 or 20 years. This way, you decide how long your loved ones need financial protection. And if those needs change, many term policies have the option to convert to a permanent life insurance policy. 

Death Benefit

In the event of your passing, your beneficiaries will receive a lump-sum payment to help cover things like college tuition, income gaps, or paying off the mortgage.

Affordable Coverage

With term life, you can get the coverage you want at the price you can afford. Most term policies have level premiums that are guaranteed for a specific period of time (usually 10 or 20 years). After this, premiums generally increase significantly.


You can convert many term life insurance policies to permanent life insurance without any medical questions or exams.Converting also allows you access to different types of life insurance that offer financial benefits such as protection for life and cash value.

Sample 20 Year Term Life Quotes

Sample 20 Year Term Life Quotes

Do you find yourself in a new stage in life?

  • having dependents
  • newly married or partnered
  • proud new home owner

Take a look at some sample quotes for 20 Year Term Life Insurance. It may be less costly than you imagine if you're in good health and a non-smoker.

As you'll see, time matters! Getting coverage earlier in age may help you save in premium costs. There are also opportunities to convert to permanent coverage later.

Click Here To View Quotes

Whole Life Insurance

Whole life insurance is a permanent policy, which gives you guaranteed protection for your loved ones that lasts a lifetime. With whole life insurance, unlike term, you earn guaranteed cash value, which you can use however you want. Participating whole life insurance is eligible to earn dividends,1 which can increase the death benefit and the cash value. Or there are other options you could choose, such as using dividends to help pay premiums.

Death Benefit

Whole life ensures a guaranteed death benefit, which means that your loved ones will receive a lump sum of money regardless of how long you live.

Build Cash Value

With whole life, the policy builds cash value over time that can be used to help you pay for college, supplement your retirement income, or for emergencies.2

Opportunity to Earn Dividends

Policyowners are also able to receive valuable dividends. While not guaranteed, MassMutual has paid dividends to eligible participating policyowners every year since 1869.

Get the coverage you need, at your convenience, with an on-line application!

Introducing Coverpath by MassMutual

Introducing Coverpath by MassMutual

I'm working with MassMutual’s Coverpath platform to make it easy for you to get quality term life insurance online.

The streamlined digital application allows you to apply at your convenience, so you can get back to what matters. 

I’m here if you have any questions or need any help during the application process.

Visit our Coverpath page to learn more, request a free life insurance needs assessment or get started with a quote.

Learn more

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.1Dividends are not guaranteed. 2Access to cash values through borrowing or partial surrenders will reduce the policy's cash value and death benefit, increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured. 3Conversion periods and conditions may vary by product. CRN202105-248149. Sample 20 year term quotes CRN202109-253486.