Discover Whole Life Insurance — Simplified

A way to help cover final expenses that's affordable and simple to apply for.

INSTANT QUOTE TOOL

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Washington state requires a minimum purchase of $5,000.

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Discover how it can fit your needs and budget.

Your monthly rate for {{ic.product.longName}}{{ ic.product.name === "SIWL" ? " insurance" : "" }} is based on gender, age, tobacco usage, and how much coverage you need. To get an instant quote, simply provide your age and gender, and answer a question about tobacco use—then use the slider tool to see how much your coverage may cost and click "Apply Now" to complete our easy online application. At MassMutual, we have a long history of helping people protect what matters most.

Coverage is issued by C.M. Life Insurance Company (except in New York), a subsidiary of Massachusetts Mutual Life Insurance Company (MassMutual). MassMutual offers a variety of life insurance options and coverage amounts to fit your specific needs. For more information on these options call 1-844-383-7218, or click here.

The Process is Easy.

1
APPLY

Complete and submit our online application. It's simple; you can do it online in one sitting.

2
REVIEW

Your completed application is reviewed in real time, so you can continue with the process and obtain your coverage if you qualify.

3
DELIVERY

Then, for approved applicants, we send your policy information by mail. And you'll have peace of mind in knowing that you have the coverage you need to help protect the ones you love.

What You'll Need to Apply.

In addition to your contact information, please have these ready:

Coverage amount

Choose a coverage amount and monthly payment that fit your needs and your budget.

YOUR BENEFICIARY

The Beneficiary is the loved one you choose to receive the benefit payment from your policy.

PERSONAL HISTORY

You'll just need to answer some simple health questions and provide consent for us to obtain health-related information from various databases.

PREFERRED PAYMENT OPTION

You can choose a monthly, quarterly, or an annual payment schedule. Automatic payment by electronic funds transfer is available.

Discover how comforting it is to know you've taken this step to help cover final expenses.

Many of us won't be able to leave an inheritance to our families—but no one wants to leave a financial burden. Simplified Issue Whole Life insurance can help cover those final expenses. Here's how it can help provide peace of mind for you—and protection for your family.

DISCOVER HOW MASSMUTUAL CAN HELP

>165YRS.

How long we've been helping people protect what matters most.

DISCOVER HOW MASSMUTUAL CAN HELP

AA+

Our Standard & Poor's financial strength rating. 2

2Standard & Poor's rating applies to Massachusetts Mutual Life Insurance Company and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company. Rating is as of 4/9/2018, and subject to change. MassMutual has received other ratings from other rating agencies.
HOW MUCH WILL YOU NEED TO COVER FINAL EXPENSES?

$8,506

Average funeral cost. 1

12015 National Funeral Directors Association General Price List Survey.
HOW MUCH WILL YOU NEED TO COVER FINAL EXPENSES?

$10,000+

Amount that 75% of U.S. households spend on end-of-life medical bills. 2

2"Out-of-Pocket Spending in the Last Five Years of Life," Journal of General Internal Medicine, 2012.
HOW MUCH WILL YOU NEED TO COVER FINAL EXPENSES?

$8,278

Average credit-card debt carried by Americans age 50+. 3

3"In the Red: Older Americans and Credit Card Debt," AARP analysis of Demos' National Survey on Credit Card Debt of Low- and Middle-Income Households, 2013.
DISCOVER HOW MASSMUTUAL CAN HELP

$2,000 - $25,000

How much Simplified Issue Whole Life coverage you can get.

DISCOVER HOW MASSMUTUAL CAN HELP

<$7/MO.

Starting point for monthly premiums.1

1As advertised, the less than $7 premium quote is only applicable to non-tobacco 40 year old woman receiving $2,000 worth of {{ic.product.longName}} Insurance.
WHY DISCOVER Simplified Issue Whole Life?

100%

of people will have end-of-life final expenses.

WHY DISCOVER Simplified Issue Whole Life?

0

No one wants to leave a financial burden.

Coverage is issued by C.M. Life Insurance Company (except in NY), a subsidiary of Massachusetts Mutual Life Insurance Company.

Why it pays to get Simplified Issue Whole Life insurance.

It's valuable

This coverage is designed for people age 40 to 80 to help cover final expenses—such as funeral costs, medical bills, and other debts—by providing a cash benefit to their beneficiaries.

It's affordable

Rates can start at less than $7 a month1, so there's a policy to fit your needs and budget. Use our easy instant quote tool above to see how much your monthly rate may be.

It's designed to last a lifetime

Your rate is guaranteed to never increase and your coverage level will never decrease for the life of the policy, as long as you continue to make payments.

It's easy

You don't have to take a medical exam to get this coverage—just answer some simple health questions, and grant us permission for health-related database checks.


Why MassMutual is a name you can trust.

For more than 165 years, we've been putting our policyholders first. Our financial ratings are among the highest of any company in any industry.2 Our quick approval process helps you get the protection you need, when you need it—and benefits are paid quickly and directly to your beneficiaries.

1As advertised, the less than $7 premium quote is only applicable to non-tobacco 40 year old woman receiving $2,000 worth of Simplified Issue Whole Life insurance.

2 Ratings apply to Massachusetts Mutual Life Insurance Company and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company. Ratings are as of 4/9/2018 and are subject to change.

Discover answers to your questions.

Just as we've been for more than 165 years, MassMutual is here to help. These are the things people ask us most often about Simplified Issue Whole Life insurance:

Without protection to help cover final expenses, these inevitable costs–such as funeral and burial expenses, medical bills, and other debts–could fall upon your loved ones.

Final expense coverage gives you peace of mind now, knowing you won't leave a financial burden–and gives your family financial protection for the future.

If you qualify, rates can start at less than $7 a month1, depending on your age, gender, tobacco usage, and the amount of coverage. Use the easy instant quote tool above to get an idea of how much your monthly cost may be for the coverage you need.

1As advertised, the less than $7 premium quote is only applicable to non-tobacco 40 year old woman receiving $2,000 worth of Simplified Issue Whole Life insurance.

We won't require you to take a medical exam; just answer some simple health questions and grant us permission for health-related database checks. If for some reason you don't qualify for this product, and are between age 50 and 75, you may qualify for Guaranteed Acceptance Life Insurance, a whole life policy for which you can't be turned down for health reasons. Rates are different, and benefits are limited in the first two policy years.

No. Your rate and coverage level amounts are guaranteed throughout the life of the policy. So your premium will never increase, and your coverage will never decrease. As long as you pay your premiums, your policy is guaranteed for life.

Your beneficiaries can use the funds as they see fit–including paying for final expenses, such as funeral costs, medical bills, or other debts.

Still have questions?

Still have questions?

Feel free to call us at 1-800-795-9117, and one of our friendly and helpful licensed agents can help you determine if Simplified Issue Whole Life is right for you.

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