| Life 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: |  |
Level 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.
Level 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.
Level 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.
Level 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.
Level 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.
Second-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.
Survivorship 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.
Vantage Term – ART
Annually renewable term.
Vantage Term – 10
Ten-year level premium term.
Vantage Term – 20
20-year level premium term.
Disability Insurance
No one plans to become disabled. If the unforeseeable happens and you become too sick or hurt to work, individual disability income insurance can help protect a portion of your earned income for the things that matter to you.
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
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
Disability 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 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.
Disability 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.