Insurance

insuranceLife insurance can play an important role in an individual’s overall investment portfolio. With so many variables to consider and products to choose from, we have in-depth knowledge to help guide our clients in selecting the products that make the most sense for their particular situation. For example:

Life Insurance – Whole Life
Life Insurance – Survivorship Life
Life Insurance – Universal Life
Life Insurance – Variable Universal Life
Life Insurance – Term Life
Disability Insurance
Small Business Owner
Worksite
Group Medical & Benefit Plans

LIFE INSURANCE – WHOLE LIFE

Whole Life Legacy 100

whole life legacy 100Level premium, participating life insurance policy that provides a level, guaranteed face amount for the lifetime of the insured. Premiums are payable to age 100. The policy provides guaranteed cash value accumulation and is eligible to receive dividend payments. Offers the ability to increase the face amount. Each increase will require evidence of insurability and will have its own risk classification.

Whole Life Legacy 65

whole life legacy 65Level premium, participating life insurance policy that provides a level, guaranteed face amount for the lifetime of the insured. Premiums are payable to age 65. The policy provides guaranteed cash value accumulation and is eligible to receive dividend payments. Offers the ability to increase the face amount. Each increase will require evidence of insurability and will have its own risk classification.

Life Insurance Word Cloud ConceptWhole Life Legacy HECV

hecvLevel premium, participating life insurance that provides a level, guaranteed face amount for the lifetime of the insured and is designed to provide high early cash values. Premiums are payable to age 85. The policy provides guaranteed cash value accumulation and is eligible to receive dividend payments. Offers the ability to increase the face amount. Each increase will require evidence of insurability and will have its own risk classification.

Whole Life Legacy 10 Pay

10 payLevel premium, participating life insurance policy that provides a level, guaranteed face amount for the lifetime of the insured. Guaranteed to be fully paid after 10 premium paying years. The policy provides guaranteed cash value accumulation and is eligible to receive dividend payments.

Whole Life Legacy 20 Pay

20 payLevel premium, participating life insurance policy that provides a level, guaranteed face amount for the lifetime of the insured. Guaranteed to be fully paid after 20 premium paying years. The policy provides guaranteed cash value accumulation and is eligible to receive dividend payments.

LIFE INSURANCE – SURVIVORSHIP LIFE

Survivorship Whole Lifelife insurance policy fliegelman

survivorshipSecond-to-die, level-premium, participating, permanent insurance providing a level, guaranteed death benefit. Premiums are payable until the second death or to age 100 of the younger insured, if earlier. The policy provides guaranteed cash value accumulation and is eligible to receive dividend payments. Upon first death, dividends and cash value may increase.

SUL Guard

sul guardSurvivorship UL Guard can be a cost-effective insurance solution, providing the ability to guarantee the death benefit for a payment period that can be tailored to fit your budget.

LIFE INSURANCE – UNIVERSAL LIFE

UL Guard 2

Guaranteed universal life.

Universal Life Navigator

Current assumption universal life.

LIFE INSURANCE – VARIABLE UNIVERSAL LIFE*

Variable Universal Life III

universal life insuranceA guide to asset allocation.Hourglasses

LIFE INSURANCE – TERM LIFE

Vantage Term – ART

Annually renewable term.

Vantage Term – 10

Ten-year level premium term.

Vantage Term – 20

20-year level premium term.

DISABILITY INSURANCE

Radius©

Mass Mutual’s Flagship DI Insurance Contract.

  • Non-cancelable guaranteed
  • Continuable to age 65 contract, provided premiums are paid on time
  • Participating (dividends not guaranteed)
  • “Own Occupation” definition of disability

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RetireGuard©

  • Helps insured continue to save for retirement
  • Insure employer/employee contributions (match for defined compensation plan)
  • Benefits payable to a trust (not to a retirement account)
  • Waiting period (elimination period in CA)
  • Benefit period

SMALL BUSINESS OWNER

Business Overhead Expense

business overhead expensesDisability income insurance for professionals and nonprofessional small business owners. Reimburses the business owner for overhead expenses in the event that he or she is disabled and cannot pay the covered overhead expenses of his or her business, because of a decrease in income due to disability.

Disability Buy/Sell

disability insuranceDisability income insurance for professionals and nonprofessional small business owners. Provides funds for purchase of the insured’s share of ownership in the event he or she becomes totally disabled.

 

WORKSITE

MaxElect©

max electDisability income insurance for professionals and nonprofessional small business owners. Reimburses the business owner for overhead expenses in the event that he or she is disabled and cannot pay the covered overhead expenses of his or her business, because of a decrease in income due to disability.

*Investors are asked to consider the investment objectives, risks, charges and expenses of the investment carefully before investing. Both the product and underlying fund prospectuses contain this and other information about the product and underlying investment options. Please read the prospectuses carefully before investing.