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Life insurance can be the foundation of your financial security and can provide comfort and stability for your family. The purpose of life insurance is to help provide your loved ones with financial protection after you die, in exchange for the premiums you pay to your insurer during your lifetime. Some life insurance policies can provide you with financial protection for the short term, while others accumulate cash value, offering a living benefit that can be used for supplemental retirement income, funding for a child's education, or cash for emergencies.

Do I Need Life Insurance?

If you have anyone that depends on you financially or if you don’t want to leave your loved ones with burial costs or debt, then the answer is yes. And if you’re just starting out and want to lock in an affordable rate for when you have a family, different types of life insurance can help with that, too.



Participating Whole Life Insurance
  • Build cash value1
  • Opportunity to earn dividends2
  • Guaranteed death benefit
Guaranteed Acceptance Life Insurance    
  • Affordable
  • Guaranteed acceptance

Term Life Insurance

  • Affordable
  • Often Convertible
MassMutual® Direct Term
  • Apply online
  • Simple application process
  • Affordable

Universal Life Insurance

  • Flexible premiums
  • Investment options
  • Potential to build account value

1 - Access to cash values through borrowing or partial surrenders will reduce the policy's cash value and death benefit, increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured. 

2 - Dividends are determined annually, subject to change and not guaranteed.

How Much Life Insurance Do I Need?

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