Mass Mutual Life Insurance Review

Rating: 9.3 / 10 (Excellent)
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How is Mass Mutual rated?
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Mass Mutual offers life insurance plans that are highly flexible and contain a good selection of rider options. Mass Mutual provides a standard range of insurance policies that include Term Life, Whole Life, Universal Life and Variable Life insurance. The company’s Variable Life Insurance offer even gives policy holders the opportunity to use their funds for investments which is an attractive option for those hoping to build the value of their insurance policy.


Plan Details


Flexible payment options

Guaranteed level premiums

Convertible to permanent policy

Access to cash value

Investment options

Guaranteed benefits


Life Insurance Plans Offered


A. Term Life Insurance

  • 10 or 20 years
  • $100,000 minimum coverage
  • For ages 18 to 75
  • Guaranteed level premiums
  • Death benefit
  • Affordable coverage
  • Convert policy to permanent life insurance


B. Whole Life Insurance

  • Death benefit
  • Up to 90 years of age
  • $10,000 minimum coverage
  • Accumulate cash value
  • Access to cash value
  • Opportunity to earn dividends
  • Guaranteed level premiums


C. Universal Life Insurance

  • Death benefit
  • Up to 80 years of age
  • $50,000 minimum coverage
  • Flexible premiums
  • Accumulate cash value
  • Access to cash value


D. Variable Life Insurance

  • Death benefit
  • Up to age 85
  • $50,000 minimum coverage
  • Flexible premiums
  • Build account value
  • Investment options


Plan Riders


Spouse Protection

Waiver of premium

Guaranteed minimum cash value

Child protection

Survivorship option

Living accelerated death benefit


Financial Summary

Standard and Poor’s


Moody’s Rating


A.M. Best FSR



Mass Mutual Life Insurance – Final Thoughts

Mass Mutual is one of the few companies that have managed to provide consistent quality service in their life insurance plans. Its life insurance policies has been able to keep up with the changing times making these a serious option to consider. With its wide array of rider and flexible premium options, life insurance shoppers would find Mass Mutual very attractive.   

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Latest Reviews

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sue s
Sutton, Massachusetts
Tried to use the website to get a quote for term life. They connect you with whole life and then the agent actually infers I must be stupid if I don't want whole life. Especially an agent would know if a person purchases term and invests in other avenues besides a whole term policy they make out much better money wise in the end. A whole life policy is never advised by any money expert outside the insurance world. Life insurance is protection in case you die. It should never be looked at as a 401K. The agent then told me the correct ph# to which I had to listen to a lengthy recording (no bypass option) about vacations.'re going to give me a free vacation. Is that paid by the... Read More