Why It Works

Built-In Guarantees

Massmutual@work Whole Life comes with three valuable guarantees:

  • Guaranteed death benefit
  • Guaranteed cash value
  • Guaranteed level premium

Portable Coverage

Massmutual@work Whole Life coverage is the perfect complement to the group life insurance employers typically offer. You own the cash value accrued, and you can take it and the coverage with you, even if you change jobs.


Massmutual@work Group Whole Life insurance certificate owners are eligible to receive dividends each year beginning on the certificate's second anniversary. Although dividends aren’t guaranteed, we’ve paid them to eligible participating policyowners every year since 1869.

Did You Know That Most People Overestimate The Cost Of Life Insurance By 3x?2

It’s really more affordable than you think.

The amount you pay for life insurance is based on your age. So your premiums are the lowest they’ll ever be if you buy now instead of later.

Qualifying is a piece of cake.

It’s as easy as answering a few simple questions about yourself. You may even have the option to buy whole life insurance for other important people in your life, including your spouse, children, or grandchildren.

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 2013 Life Insurance Barometer Study, conducted by LIFE Foundation and LIMRA.


Group Whole Life Insurance (GPWL), (policy/certificate forms MM-GPWL-2014 and MM-GCWL-2014, and MM-GPWL-2014 (NC) and MM-GCWL-2014 (NC) in North Carolina), is level-premium, participating permanent life insurance. The GPWL policy and GCWL certificates are issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.

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