Highest financial ratings in the industry:

MassMutual scores big when it comes to financial stability and credit outlook ratings, earning superb reviews from all the major financial ratings agencies in the country. MassMutual is one of the few major life insurers to receive a top financial strength rating of A++ from A.M. Best, which also gives the company a rating of Superior for its strong credit outlook. Other major ratings agencies offer a similar opinion of MassMutual's ability to meet its current and future financial obligations, with both Moody's and S&P granting ratings near the top of the scale. These outstanding ratings offer great peace of mind to prospective MassMutual clients, especially those considering a long-term whole life or universal life policy.

Excellent policy rider selection:

Policy riders are optional provisions that offer life insurance buyers the ability to tailor a standard policy to their personal needs. MassMutual life insurance ranks alongside the very best insurers in this category, offering a full selection of riders for their term, universal, and whole life insurance policies. The company's long-term care and disability riders provide solid protection in the event of a sudden illness or injury. An accidental death rider provides an additional payment to your policy beneficiaries in the event of a life-ending accident, ensuring your loved ones are taken care of in their time of need. A terminal illness rider allows early access to your policy's standard death benefit in order to help offset end-of-life healthcare costs. Many other policy riders are available, including those for funeral expenses, offsetting estate taxes arising from your policy, and extending policy coverage to your spouse.

Coverage options for any need:

Whether you're looking to buy a term, universal, or whole life policy, you can take advantage of a variety of great options from MassMutual life insurance. If you're looking for maximum flexibility in a policy, MassMutual life insurance offers cash surrender, return of premium, and joint coverage options. Selecting a mortgage life option provides extra coverage to make sure your family's outstanding mortgage debt is taken care of. You can even convert your term life policy to a permanent policy should your life insurance needs change over time. Combining these diverse coverage options with MassMutual's excellent selection of policy riders creates one of the most complete product offerings of any company in the industry. If flexibility is high on your insurance shopping list, MassMutual life insurance is definitely worth a close look.


Online quote tool not available:

Most top insurers in the industry offer online quotes, so it's a bit surprising MassMutual life insurance doesn't provide one. MassMutual also fails to provide effective online resources to help you work through your insurance coverage needs and identify the policy amounts required to satisfy your obligations and provide for your family. Alternatively, MassMutual encourages prospective policyholders to contact a company representative for personal help in all these areas.

No mobile app:

Although a good mobile app is not critical to life insurance, the ability to easily access your policy details and pay your premium from your smartphone are very convenient options to have at your disposal. However, the lack of an app shouldn't be a problem for most, as MassMutual does offer a mobile version of their website.


A.M. Best FSR Rating A++
A.M. Best ICR Rating aa+
Moody's Rating Aa2
Policy Offerings Term, Whole, Universal
Standard & Poor's Rating AA+


  • A.M. Best "Excellent" or Better The insurance company has an A.M. Best rating of "A-" or better.

  • ICR Rating "Stable" The insurance company has an A.M. Best Credit Rating of "Stable" or better.

  • Moody's "Very Strong" The insurance company has a Moody's rating of "Aa3" or better.

  • S&P Rated "Very Strong" The insurance company has an S&P rating of "AA-" or better.

  • Cash Value Access The policy owner can access or borrow against the value of policy accounts.

  • Dividends The policy owner can receive periodic dividends based on account performance.

  • Dynamic Premium Amount You decide the amount and date of premium payments, subject to basic minimums.

  • Graded Premium Option The life insurance company offers a policy that starts with a low initial premium and gradually increases over time.

  • Guaranteed Level Premiums Premiums do not increase over time but remain constant for the entire life of the policy.

  • Interest Rate Guarantee You receive a guaranteed minimum level of interest in the contract.

  • Level Death Benefit A policy where the death benefit remains level is available.

  • Limited Premium Payments Whole life insurance premium payments can be limited to a fixed number of years.

  • No Exam Term Conversion The insurance company guarantees conversion of a term policy to a cash value or permanent policy offered by the life insurance company without a physical exam.

  • Paid-Up Additions You can purchase additional insurance with paid-out policy dividends.

  • Partial Surrenders You can withdraw funds up to a certain percentage of the policy value.

  • Tax-Deferred Growth The cash value of the policy grows tax-deferred.

  • Term Renewal Guarantee You are guaranteed a renewal option annually after term expiration.

  • Variable Death Benefit A policy where the death benefit increases or decreases with your policy account value is available.

  • Waiver of Monthly Deductions Future monthly deductions are waived in the event of disability.

  • Expiration or Lapse Guarantee The policy does not expire if premiums paid are insufficient.

  • Accelerated Benefit for Terminal Illness A rider which grants early access to the death benefit to defray the cost of a terminal illness is available.

  • Accidental Death Benefit A rider that pays an additional death benefit in the event of the accidental death of the insured is available.

  • Additional Insured Rider A rider that extends coverage to an additional person/spouse is available.

  • Child Rider An added rider that covers the death of your child is available.

  • Disability Income Rider An added rider that provides income in the event of a bodily injury that prevents you from working is offered.

  • Estate Protection Rider A rider that provides extra coverage to offset estate taxes if the policy is included in the insured's estate is offered.

  • Final Expenses Policy A rider or a policy that covers funeral expenses is available.

  • Long-Term Care Rider A rider is available that covers the cost of long-term care if needed during the policy term.

  • Whole Life Guaranteed Insurability Rider An option to guarantee future insurability at standard rates without further proof of insurability is available.

  • All Policy Types Term, whole, and universal coverage options are available.

  • Cash Surrender Option Policyholders of lapsed or surrendered policies can request immediate cash disbursement or remaining balances.

  • Flexible Coverage Options Low initial coverage options below $100,000 are available.

  • Mortgage Life Option A policy in which the death benefit stays level for a fixed number of years but then decreases over the remainder of the term is available.

  • Return of Premium Option An option is available where the premiums paid over the life of the policy are returned at the end of the term less any deductions or loans taken.

  • Survivorship/Joint Coverage Option The policy covers two people and is paid when the first or the last of the two people covered in the policy dies.

  • Term Conversion Option Conversion to a cash value or permanent policy is offered by the life insurance company.

  • Whole Life Vanishing Premium Option A whole life policy whose dividends can be used to reduce future premium payments is available.

  • Email/Ticket An email or ticket system dedicated to support is available.

  • Phone You can get support by phone.

  • Social Media You can contact the insurance provider with questions through social media websites.

  • Live Chat You can get support through live chat.

  • Assignment Clause The insurance policy is freely assignable to anyone.

  • Automatic Premium Loan Provision The insurance provider can automatically pay an outstanding premium with a policy loan, preventing a lapse of coverage.

  • Grace Period The insured has a grace period after missing a premium payment before the policy is cancelled.

  • No Medical Exam Required A medical exam is not required in order to qualify for a policy.

  • Waiver of Premium An option that waives the premium payment if the policyholder becomes disabled or otherwise unable to pay is available.

  • Incontestable Clause After an initial period, the provider can no longer contest or revoke the policy.

  • Interest-Free Cash Value Loan You can borrow against the cash value of the policy without paying interest.

  • No Maximum Age No maximum age for policy coverage is imposed.

  • No Maximum Coverage Level The provider does not impose a maximum coverage level.

  • No Minimum Age The provider does not impose a minimum age for policy coverage.

  • No Minimum Coverage Level The provider does not impose a minimum coverage level to start a policy.

  • No Minimum Premium The provider does not impose a minimum premium amount in the early stages of a policy.

  • Policy Discount A discount is offered if you hold additional insurance with the life insurance company.

  • Claim Status and Management Death claims can be managed online.

  • Glossary You have access to an online resource that explains commonly used insurance terminology.

  • Learning Resources You have access to online resources that explain the various types of life insurance.

  • Policy Selection Guidance A tool or guide to help you select the best type of coverage is offered.

  • FAQs You have access to a collection of relevant frequently asked questions and answers.

  • Level of Coverage Calculator An online tool to determine the level of insurance coverage that you need is available.

  • Online Agent Contact You can forward the details of your online rate quote directly to an agent for review.

  • Online Purchase You can purchase a new policy over the Internet.

  • Online Quotes You can obtain a term insurance quote online.

  • Automatic Payments Premium payments can be automatically scheduled.

  • Bank Account Payment You can pay your premiums with a linked bank account.

  • Online Premium Payment You can pay your premiums online.

  • Single Premium Payment An option to pay a single life premium payment up front for whole or universal life insurance is available.

  • Credit Card Payment You can pay your premiums with a credit card.

  • Phone Payments You can pay your premiums over the phone.

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