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Group Whole Life Insurance

Permanent life insurance protection that can go further to support employees’ financial well-being today and tomorrow.


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Our Group Whole Life Insurance is a win-win-win

Who said in life there are no guarantees? Our Group Whole Life Insurance includes three guarantees with every certificate.

Watch the video to learn more.

Group Whole Life Features

Three guarantees are just the beginning. Read on.
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Guaranteed death benefit

Will never change as long as the premiums continue to be paid.
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Guaranteed level premiums

Set when certificate owner is approved for coverage, so the cost never goes up.
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Guaranteed cash value increase

Cash value will increase over time regardless of performance of financial markets.
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Portability

Group Whole Life is portable, so it can follow wherever life may take them.*
 

Dividends  

Though not guaranteed, insured employees are eligible to receive dividends.1
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How to receive the dividend. Options include:

  • Purchase paid-up additional whole life insurance.
  • Receive in cash.
  • Leave on deposit to accumulate interest.
  • Reduce future premiums.2

Stand out with dividends

Watch the video to learn more about how dividends can help you bring more to the table with clients.

Watch the video

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How dividends make a difference

The potential for dividends is one of the key advantages of our Group Whole Life Insurance. Share our brochure with clients to explore different opportunities that dividends can create.

The Power of the Dividend (PDF)

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Chronic Care Benefit  

Offer Group Whole Life Insurance with a built-in Chronic Care Benefit.
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The chronic care benefit lets a GWL certificate owner receive an advance or acceleration of a portion of the certificate death benefit if the insured has a qualified chronic illness.

Stand out with the Chronic Care Benefit

Watch the video and learn about how this valuable feature can help employees deal with the financial impact of a chronic illness.

Watch the video

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Reducing the stress of a chronic illness

Employee health issues can translate to higher costs for clients. Share our brochure with clients to learn about the Chronic Care Benefit, a cost-effective way to guard employees against certain unexpected life events.

Reducing the Stress of a Chronic Illness (PDF)

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The materials linked to above are examples only. This benefit has state variations, and some of the content above may not be approved in your state. For more detailed information about how the chronic care benefit works, please ask your benefit representative for a MassMutual Chronic Care benefit brochure approved for use in your state. The chronic care benefit is not available in Massachusetts.

Accessing the cash value and/or an acceleration of the death benefit will reduce the certificate's death benefit, any cash value and any loan values. If the Chronic Care Benefit has been exercised, the certificate's premium payments will then be based on the reduced amount of insurance at the current rate.

Riders and other features, such as the Chronic Care Benefit, 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. For further details contact your benefit representative.

Learn more  

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7 reasons to offer Group Whole Life Insurance

Get an at-a-glance look at the guarantees, added features and simple enrollment that can help you deliver more to your clients.
View reasons
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Group Whole Life vs. Group Term Life

Help employers understand the value of our Group Whole Life compared to typical Group Term Life.
View comparison
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Quiz: How well do you know Group Whole Life Insurance?

Take a 2-minutes quiz to find out. You can also see how your peers scored on questions.
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Our products

Unlock the power of group voluntary benefits your clients need to shape the financial well-being of today's workforce.

FOR FINANCIAL PROFESSIONALS. NOT FOR USE WITH THE PUBLIC.

1 Dividends are not guaranteed. The certificate is eligible to receive dividends beginning on the second anniversary.

2 While not available at time of application, this option may be elected once a certificate is on a direct bill payment method.

The product and/or certain features may not be available in all states. State variations will apply. 

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.