MassMutual Term

Affordable coverage with the flexibility to address your clients’ long-term protection needs.

Term Options:
10, 15, 20, 25, 30 Years
Extended Conversion Period: 15, 20, 25, 30 Years

Issue Ages:

  • 10 Year: 18-75
  • 15 Year: 18-70 (ECP 18-54)
  • 20 Year: 18-65 (ECP 18-54)
  • 25 Year: 18-60; 18-55 for tobacco classes (ECP 18-54)
  • 30 Year: 18-55; 18-50 for tobacco classes (ECP 18-54)

Minimum Face Amount: $100,000

Conversion Option Available

Riders Available: Accidental Death Benefit, Waiver of Premium

Sales Tools

AudienceDocumentUpdatedLink
Advisor Use OnlyForms06/09/2026Click Here
Advisor Use OnlyMulti-Carrier Underwriting Guide10/08/2026Click Here

Product Resources

AudienceDocumentUpdatedForm NumberLink
Consumer UseConsumer Flyer09/04/2026LI5014Click Here
Consumer UseConsumer Guide09/04/2026LI5337Click Here
Advisor Use OnlyMassExpress FAQ Advisor Flyer09/04/2026U1045Click Here
Advisor Use OnlyGuidelines for Foreign Travel09/04/2026LI7553Click Here
Advisor Use OnlyGuidelines for Foreign Citizens Living in the U.S.09/04/2026LI7552Click Here
Advisor Use OnlyUnderwriting Sweet Spots09/04/2026LI6005Click Here
Advisor Use OnlyPlatinum Pass Program Guide09/04/2026LI7210Click Here
Advisor Use OnlyAdvisor Guide09/04/2026LI5330Click Here

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