Why It Works

Peace Of Mind

Paying the target premium amount will guarantee coverage for the selected target coverage period (20-year, 30-year, To age 85, or To age 100) as long as your target premiums are paid on time and no loans or withdrawals are taken.


You can decide how much premium to pay per month within certain limits, as long as there’s enough account value to pay for the monthly insurance and administrative charges.

Value That Grows

Depending on the premium you pay, your policy may accumulate account value that you can borrow from to supplement your retirement income, pay for a child’s education, or other needs1.

1 Withdrawals or loans from the certificate may have tax consequences. You should consult your tax advisor. Withdrawals are not subject to taxation up to the amount paid into the certificate (cost basis). If the certificate is a Modified Endowment Contract, loans and/or withdrawals will be taxable to the extent of gain and are subject to a 10% tax penalty.

Loans and/or withdrawals will also reduce the net surrender value and loans may reduce the death benefit. Taking a loan could have adverse tax consequences if the certificate terminates before the insured’s death.

Life Insurance Doesn’t Have To Be One-Size-Fits-All

Everyone’s got a different story to tell—why they work at their company and what motivates them day to day. But one thing we have in common is what we stress about: 

Stress in America, Paying with our health, American Psychological Association, February 4, 2015.

Take your stress down a couple of notches by taking steps to protect the people who matter most with group life insurance from massmutual@work.

Group Universal Life Insurance (GPUL), (policy/certificate forms MM-GPUL-2015 and MM-GCUL-2015, and MM-GPUL-2015 (NC) and MM-GCUL-2015(NC) in North Carolina), is flexible premium, non-participating permanent life insurance. The GPUL policy and GCUL certificates are issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.

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