Group Whole Life Insurance

Learn more about this valuable coverage
from MassMutual®

What is Group Whole Life Insurance?

This certificate is offered through your employer. It can provide lifelong coverage¹ and important financial protection for your loved ones. Plus it comes with many valuable features that can make it a smart move for your long-term financial wellness.

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How does Chronic Care Benefit work?

Chronic Care Benefit, which is automatically part of your Group Whole Life insurance coverage can can help to help reduce the financial stress that often comes with being Chronically Ill.

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Am I eligible to apply?

This coverage is only available to current employees who have received communications regarding their eligibility to apply for coverage.*

*You have accessed this landing page in error if you have not received prior communications from Massachusetts Mutual Life Insurance Company in conjunction with your employer’s benefits.

What features do I get with my coverage?

Your Group Whole Life Insurance comes with valuable features that make it the choice of many employees:

Rates lock in for life. Your premium payment is set at the time of purchase, so the amount you pay never changes.

Portability. You own your certificate along with the accumulated cash value. You can take it with you, even if you change jobs.1

Dividend eligible. Certificate owners are eligible to receive dividends each year.2 Although they are not guaranteed, MassMutual has paid dividends to eligible participating policy/certificate owners every year since 1869.

Builds Cash Value. Over time, your policy accumulates cash value. That's an amount of money you can borrow against in the future, for any reason.3

Easy Application. Just answer a few questions to determine your eligibility. There's no medical exam needed.

Innovative riders and features, including a Chronic Care Benefit.4

Here’s an example of the weekly premiums for a tobacco-free employee to be covered with $50,000 of coverage.

Cost per week*$7.62$19.04$33.24
*This is a hypothetical example only and is not binding. Additional policy features, or riders, are not included in the examples above and may be available at an additional cost. Rates may vary based on age, tobacco status and state. Rates are as of March 26, 2024 and are subject to change.

It has a history of financial strength.

With over 170 years in the insurance industry, it has a long history of remaining strong during changing market conditions.


We’re a mutual company.

That means it doesn’t have shareholders. Instead it operate for the benefit of their members and participating policyowners.

They put your financial wellness first.

It’s their goal to help you plan for the moments that matter most in life — and to be financially well, wherever you are on your financial journey.

Eligible employees will receive enrollment materials as their enrollment period draws near.

These materials will provide information to help guide you as you apply for coverage. If you have any questions about your offer, please ask your company’s Human Resources representative. Any questions concerning this coverage can be directed to you benefits professional.

1: As long as premiums are paid.
2: Dividends are not guaranteed. The certificate is eligible to receive dividends beginning on the second anniversary.
3: Access to cash values through borrowing or partial surrenders will reduce the certificate’s cash value and death benefit, increase the chance the certificate will lapse, and may result in a tax liability if the certificate terminates before the death of the insured.
4: Riders and other benefits under the certificate, such as the Chronic Care Benefit, may be available for an additional premium or have a fee when exercised. The Chronic Care Benefit is not approved in MA. The product and/or certain features may not be available in all states. State variations will apply.

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