Broker Check

Life Insurance


Life insurance encompasses a diverse range of policies designed to offer financial security and protection for individuals and their loved ones. Each type of policy serves distinct purposes, providing individuals and families with a comprehensive array of options to meet their unique financial needs and goals.

Understanding the basic provisions of each type of insurance can help you make informed decisions about which type of policy best aligns with the individual circumstances of your clients. We proudly provide Mass Mutual insurance products and encourage you to learn more about how their policies can support the various needs of your clients.

MassMutual offers a range of life insurance products to fit client needs. Click on the PDFs below to learn more about these products.  

Being a Broker for Mass Mutual

Being able to offer people the best in insurance through Mass Mutual is truly a pleasure. Knowing the differences between the different kinds of policies and coverages helps brokers to make better recommendations for their clients. Below you can find a break down of the various types of life insurance and the unique value each different kind can offer.

Whole Life Insurance

Whole life insurance is a comprehensive form of coverage that provides financial security throughout an individual's entire lifetime. It guarantees a death benefit payout to the beneficiaries upon the insured's passing, as long as the premiums are consistently paid. Moreover, whole life policies have a unique feature known as cash value accumulation, which functions as a savings component, growing over time at a guaranteed rate. This cash value can be accessed through loans or withdrawals for various financial needs.

Whole Life
Whole Life Legacy 100SM
Whole Life Legacy 65SM
Whole Life Legacy HECVSM
Whole Life Legacy 10 PaySM
Whole Life Legacy 20 PaySM
Whole Life Legacy 12 Pay
Whole Life Legacy 15 Pay

Learn More About Mass Mutual Whole Life Insurance

Survivorship Whole Life

Survivorship Whole Life insurance, also known as second-to-die or joint-life insurance, is a unique type of permanent life insurance policy designed to cover the lives of two individuals, typically spouses. Unlike traditional individual policies, Survivorship Whole Life provides a death benefit only after both insured parties pass away. This means that the policy pays out to the beneficiaries upon the death of the second insured person. This type of insurance is often used for estate planning, as it can help provide liquidity to cover estate taxes and other expenses that may arise after both individuals have passed away. 

Survivorship Whole Life policies also offer a cash value component that grows over time, providing a savings element in addition to the death benefit. The premiums for this type of policy are generally lower than those for separate individual policies, making it an attractive option for couples seeking to protect their legacy and provide financial security for their heirs.

Learn More about Survivorship PDF

SUL GuardSM

SUL GuardSM is a specialized form of life insurance designed to provide protection for the lives of two individuals, typically spouses or partners. The acronym "SUL" stands for "Survivorship Universal Life," indicating that this policy pays out a death benefit only after both insured parties have passed away. This unique feature makes SUL GuardSM particularly valuable for estate planning purposes, as it can help cover potential estate taxes and other expenses that may arise upon the passing of both individuals. 

Additionally, SUL GuardSM policies offer flexibility in premium payments and death benefit amounts, allowing for adjustments as financial circumstances change. This makes it an adaptable tool for those seeking to safeguard their legacy and provide financial security for their heirs–especially if there are heirs who have special needs.

Learn More about SUL GuardSM PDF

Universal Life

Universal Life insurance is a versatile and flexible form of permanent life insurance. Unlike traditional whole life policies, Universal Life allows policyholders to adjust the premium payments and death benefits to suit their changing financial needs and circumstances. This flexibility is particularly valuable for individuals seeking long-term coverage with the ability to adapt to evolving life situations. 

Universal Life policies typically accumulate cash value, which grows over time based on the performance of underlying investments. This feature provides a savings component that can be accessed through loans or withdrawals for various financial purposes. Universal Life insurance is well-suited for those who want both insurance protection and an element of investment in a single policy.

Learn More about Universal Life

- UL Guard 2SM
- Universal Life Navigator

Term Life

Term Life insurance provides coverage for a specified period, typically ranging from 10 to 30 years. This type of insurance is designed to offer straightforward and affordable protection for a predetermined duration, making it an attractive option for individuals seeking temporary coverage. If the insured passes away during the term, the policy pays out a tax-free death benefit to the beneficiaries. However, once the term expires, the coverage ends, and there is no cash value component. 

Term Life insurance is an excellent choice for those with specific financial responsibilities, such as paying off a mortgage or providing for children's education, during a certain period. It allows policyholders to secure their loved one's financial well-being without committing to a lifelong policy. 

Learn More about Term Life

- Vantage Term
- Vantage Term - ARTSM
- Vantage Term - 10SM
- Vantage Term - 20SM

Which Mass Mutual Policy Will You Offer?

Knowing how each of these life insurance policies works is crucial to knowing which one will best suit the needs of your clients. Mass Mutual provides amazing policies and benefits that you can leverage to help your clients fill in the gaps that can make them more financially secure. Becoming a Mass Mutual broker gives you the opportunity to offer the best insurance policies to your clients.


Becoming a Mass Mutual Broker Through Life Insurance Brokerage With Michael Fliegelman


If you have questions about how to get started as a Mass Mutual broker, please reach out–we would love to connect with you! You will love working with our team! In addition to receiving great payouts, you are offering great products and services. We offer you great products and services too! When you join our team, here are some of the amazing benefits you get access to:

  • Home Office Attorneys
  • Agency attorney
  • Agency life planning department
  • Twice weekly training on sales ideas, products, and MassMutual portal
  • Individual, customized training
  • Over 75 years of industry experience
  • Help with closing your sales
  • Office support
  • Knowledgeable and trustworthy team backing you up
  • Expertise on demand

Our motto is that it is personal, not just business. We want to help you grow your business and carry this motto over to it. If you have thought about becoming a broker and want some help getting on your feet, we would love to chat! Give us a call today!

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