MassMutual Whole Life — guaranteed to fit your life.
Participating whole life insurance from one of the most established mutual companies in America. Lifetime protection, guaranteed cash value growth, and the potential to share in MassMutual's annual dividends — every year of your life.
At a glance
Protection today, value for the rest of your life.
MassMutual whole life insurance combines a guaranteed death benefit with guaranteed cash value growth and the potential for annual dividends. It can protect your family during your working years, supplement your retirement income, and leave a financial legacy for the next generation.
- Permanent, lifetime coverage
- Guaranteed level premiums
- Guaranteed cash value accumulation
- Eligible for annual dividends (not guaranteed)
- Income tax-free death benefit
- Issued by Massachusetts Mutual Life Insurance Company
Why MassMutual Whole Life
A policy that grows and works with you.
Guaranteed death benefit
An income tax-free death benefit your loved ones can count on — guaranteed for life, as long as premiums are paid.
Guaranteed cash value growth
Your policy's cash value is guaranteed to grow each year, tax-deferred, regardless of what the markets are doing.
Dividend potential
As a participating policy owner, you may be eligible to receive annual dividends. MassMutual has paid dividends to eligible policy owners every year since the 1860s.
Access to cash value
Borrow against your cash value for emergencies, college, a home down payment, or business needs — on your terms.
Retirement income supplement
Use the policy's cash value as a stable, tax-advantaged source of supplemental income that isn't tied to market swings.
Legacy & estate planning
Pass an income tax-free legacy directly to beneficiaries — avoiding probate delays and keeping it out of public record.
Whole life through every stage
One policy. Many jobs over your lifetime.
When you start a family, whole life protects the income you provide. As you build wealth, the cash value becomes a private reserve you can access. In retirement, it can supplement your income. And when you're gone, it leaves a tax-free legacy for the people and causes you care about.
How clients use it
Real-world ways MassMutual whole life works.
- Income replacement — replace what you bring home so your family can stay in their home and keep their plans on track.
- Emergency reserve — tap cash value for unexpected expenses without selling investments at the wrong time.
- Supplemental retirement income — use cash value as a tax-advantaged source of income that doesn't fluctuate with the markets.
- Legacy planning — pass an income tax-free death benefit directly to beneficiaries, outside of probate.
Dividends are not guaranteed. Access to cash value through borrowing or surrenders will reduce the policy's cash value and death benefit and may have tax consequences.
Let's build a policy around your life.
I'll walk you through coverage amounts, premium options, and riders so you can see exactly how MassMutual whole life can fit into your overall financial picture.
MassMutual Whole Life series policies (Policy Forms: MMWL-2018 and ICC18-MMWL; MMWLA-2018 and ICC18-MMWLA in certain states) are level-premium, participating, permanent life insurance policies issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001. Dividends are not guaranteed. All guarantees are based on the claims-paying ability of the issuing company. Johnson Benefit Group is an independent appointed agent and is not affiliated with MassMutual.