A benefits producer’s first MassMutual Worksite case with a 240-life car dealership group in the Northeast tri-state area generated $55K in Group Whole Life Insurance premium and $31K in Supplemental Health premium.
The Challenge
The solution
Leveraging a well-established client relationship, the benefits producer introduced MassMutual Group Whole Life Insurance. A MassMutual Sales Representative collaborated on the initial meeting, which opened the conversation about the existing supplemental health plans. After reviewing MassMutual’s offerings, the employer chose to replace their prior Group Accident Insurance and Group Critical Illness Insurance plans with MassMutual’s — finding that our products offered stronger features and a better overall value for their employees.
Key Group Whole Life features that resonated with employees:
- Permanent, portable coverage that stays with them beyond their time at the company
- Guaranteed cash value that grows over time and can be accessed when available*
- A built-in Chronic Care Benefit** to help support a qualifying chronic illness
Plus, employees appreciated upgraded, modernized Group Accident Insurance and Group Critical Illness Insurance coverage replacing lapsed plans.
The employer helped drive enrollment success by committing to an active, multi-touch strategy — including company-wide emails, group meetings with department heads, and one-on-one time with employees — ensuring everyone had the information to make an informed decision.
The results
- 22% participation in Group Whole Life
- 16% participation in Group Accident Insurance
- 15% participation in Group Critical Illness Insurance
- $55K in Group Whole Life premium
- $31K in Supplemental Health premium
The pitch
Term life is a starting point — but it doesn’t build cash value, offer a chronic care benefit or follow employees beyond their time at the company. MassMutual Group Whole Life, Group Accident Insurance, and Group Critical Illness Insurance together can help reduce financial gaps, creating a benefits package that delivers permanent protection, living benefits, and supplemental health coverage employees can count on.
Why this matters to you
To find similar multi-product opportunities, look for employers who:
- Value their employees’ financial well-being — not just basic coverage
- Offer term life but haven’t added a permanent protection option
- Have supplemental health plans that are lapsed, underutilized, or haven’t been reenrolled recently
- Are ready to invest in an active enrollment to drive participation
When an employer is genuinely invested in their people, MassMutual Worksite gives you the products, the enrollment support, and the team collaboration to make it a win — right from your very first worksite case with us.
As the benefits producer shared: “Thank you for all the assistance from start to finish on this case. Without the MassMutual team’s support, this case would not have come together like it has!”
FOR FINANCIAL PROFESSIONALS. NOT FOR USE WITH THE PUBLIC.
*Access to cash values through borrowing or partial surrenders will reduce the certificate's cash value and death benefit, increase the chance the certificate will lapse, and may result in a tax liability if the certificate terminates before the death of the insured.
**Riders and other features, such as the Accelerated Death Benefit for Chronic Illness (Chronic Care Benefit) provision under the certificate, may be available for an additional premium or have a fee when exercised. Availability of these features may be limited based on issue age or state of issue. The Chronic Care Benefit is not available in MA. For further details contact a MassMutual representative.
State variations will apply. Certain product features may not be available in all states.
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.
NOT FOR USE IN NM
MASSMUTUAL GROUP ACCIDENT INSURANCE PROVIDES LIMITED BENEFITS AND DOES NOT PROVIDE COVERAGE FOR SICKNESS. In NY: This policy provides ACCIDENT insurance only. MM-GPAC-2021, MM-GCAC-2021 and MM-GPAC-2021(NC) and MM-GCAC-2021(NC) in North Carolina is limited benefit nonparticipating group insurance.
NOT FOR USE IN NM AND WA.
MASSMUTUAL GROUP CRITICAL ILLNESS (IN CA AND NY, GROUP SPECIFIED DISEASE) INSURANCE PROVIDES LIMITED BENEFITS FOR SPECIFIED DISEASES ONLY AND DOES NOT PROVIDE COVERAGE FOR SICKNESS. In NY: This policy provides limited benefits health insurance only. MM-GPCI-2021 and MM-GCCI-2021, and MM-GPCI-2021 (NC) and MM-GCCI-2021 (NC) in North Carolina is limited benefit, non-participating group insurance.
MassMutual Group Critical Illness insurance and Group Accident insurance are NOT hospital or medical expense insurance, or minimum essential coverage defined by federal law. In NY: It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. This insurance, their names, or provisions may vary or be unavailable in some states. This coverage has exclusions, limitations, reductions of benefits that may affect any benefits payable, and terms under which the policy may be continued in force or discontinued. Some benefits or options have limited availability based on age. For availability, cost, and coverage details contact your benefits advisor or MassMutual.