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Insurance > Whole Life Insurance
Whole Life
Secure Life Whole Life Insurance is a permanent policy that provides guaranteed lifetime protection for your loved ones. Unlike term life insurance, our whole life policy builds cash value over time—funds you can access whenever you need.
Who should consider whole life insurance?
Whole life insurance ensures your spouse is protected during retirement and allows you to leave a lasting legacy for your loved ones or a favorite charity. It also builds guaranteed cash value, which you can access anytime for any financial need—whether it's funding a college education, supporting your business, or supplementing your retirement income.
If your family or business relies on you, whole life insurance is a smart way to provide long-term financial security.
Whole Life features and benefits
Death benefit
Whole life insurance provides a guaranteed death benefit, ensuring that your loved ones receive a lump sum payment no matter how long you live.
Build cash value
​With whole life insurance, your policy accumulates cash value over time, which you can use to help cover college expenses, supplement your retirement income, or handle financial emergencies as needed.
Opportunity to earn
Policyowners may also qualify to receive valuable dividends. Although dividends are not guaranteed, MassMutual has consistently paid them to eligible participating policyowners every year since 1869.
What is the process for getting a term life insurance policy?
01
Analyze
During your first phone call, your financial professional will ask questions to better understand your financial goals and priorities.
02
Recommend
Your financial professional will assess your needs and suggest the best products to fill any coverage gaps.
03
Purchase
If you’re happy with their recommendations, they’ll assist you in securing coverage, which may require a medical exam.
04
Review
Your financial professional will provide periodic reviews to ensure your strategies stay aligned with your goals.