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Life Insurance

Want to clear out a room quickly? Then tell them you’d like to talk about life insurance! But seriously, although it might not be the sexiest of topics, it’s at the top of the list of important discussions. The truth is, although many policies offer “living benefits“, we typically don’t purchase life insurance for ourselves, but rather for our loved ones that we leave behind.

Client Centered

You probably already protect the value of your home, cars and other property with insurance. But like many people, you may not be fully insuring what makes all those things possible — You. Your family depends on what you provide for them. The proper type of life insurance policy can help your loved ones pay college tuition, mortgage payments, and even help cover retirement income gaps in the event of your passing. Protecting their financial security with life insurance is an important responsibility, and it may be more affordable than you think. We can help you determine how much coverage you need and which type of policy may be right for your situation and budget.

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How does life insurance work?

With term and permanent life insurance, you make premium payments so that in the event of your passing, your loved ones and beneficiaries will receive the death benefit proceeds from the policy. Term insurance is for a specific period of time whereas permanent is for life as long as the premiums are paid.

Do I need life insurance?

If you have anyone that depends on you financially or if you don’t want to leave your loved ones with burial costs or debt, then the answer is yes. And if you’re just starting out and want to lock in an affordable rate for when you have a family, different types of life insurance can help with that, too.

There are several types of Life Insurance, but let's look at two of the basics:

Term Life Insurance

If you’re sure you want life insurance, but aren’t sure you can afford it, a term life insurance policy may be a great option. Term life is affordable and your premium payments remain the same for the amount of time that works best for you, such as 10 or 20 years. This way, you decide how long your loved ones need financial protection. And if those needs change, many term policies have the option to convert to a permanent life insurance policy.

Death Benefit

In the event of your passing, your beneficiaries will receive a lump-sum payment to help cover things like college tuition, income gaps, or paying off the mortgage.

Affordable Coverage

With term life, you can get the coverage you want at the price you can afford. Most term policies have level premiums that are guaranteed for a specific period of time (usually 10 or 20 years). After this, premiums generally increase significantly.


You can convert many term life insurance policies to permanent life insurance without any medical questions or exams.Converting also allows you access to different types of life insurance that offer financial benefits such as protection for life and cash value.

Term Life Insurance may cost less than you think

Term Life Insurance may cost less than you think

Term Life Insurance premiums are based on your age and health.  Although your heath could potentially improve in the future, you certainly will not be any younger than you are today!  


Whole Life Insurance

Whole life insurance is a permanent policy, which gives you guaranteed protection for your loved ones that lasts a lifetime. With whole life insurance, unlike term, you earn guaranteed cash value, which you can use however you want. Participating whole life insurance is eligible to earn dividends,1 which can increase the death benefit and the cash value of the policy. Or there are other options you could choose, such as using dividends to help pay premiums.

Death Benefit

Whole life ensures a guaranteed death benefit, which means that your loved ones will receive a lump sum of money regardless of how long you live.

Build Cash Value

With whole life, the policy builds cash value over time that can be used to help you pay for college, supplement your retirement income, or for emergencies.2

Opportunity to Earn Dividends

Policyowners are also able to receive valuable dividends. While not guaranteed, MassMutual has paid dividends to eligible participating policyowners every year since 1869.

Do you want to apply for Life Insurance at your convenience?  We've got you "covered"!

Get a Quote or Apply Online Now!

Get a Quote or Apply Online Now!

I am working with MassMutual’s Coverpath platform to make it easy for you to get quality life insurance online.  

The streamlined digital application allows you to apply at your convenience, so you can get back to what matters. 

Click below to learn more, get started with a quote, or apply online.

I’m here if you have any questions or need any help during the application process.


Get a Quote & Apply Online