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Guaranteed Acceptance Life Insurance starting at less than
$10 per month.
No medical exams or
health questions.

Get Started!

By submitting this request, I consent to receive phone calls from MassMutual, its financial professionals, its licensed insurance agents, or vendors on its behalf, regarding MassMutual products and services, at the phone number above, including my wireless number (if provided). I understand that (1) these calls may be generated using an automated technology and (2) I am not required to grant this consent as a condition of purchasing any MassMutual products or services that I instead may call 1-888-379-7416.

Coverage is issued by C.M. Life Insurance Company, a subsidiary of Massachusetts Mutual Life Insurance Company.

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

What Is Guaranteed Acceptance Life Insurance?

Guaranteed acceptance life insurance can help your loved ones pay for your final expenses, such as funeral and burial costs, medical bills, or other consumer debts. These policies can also build cash value you can use later in life.

A MassMutual Guaranteed Acceptance Life Insurance policy is an affordable way to help protect your loved ones’ future—and help provide peace of mind today. Premiums can start at less than $10 per month, and your coverage is guaranteed throughout the life of the policy, provided the required premiums are paid. You can rest assured that your benefits will never decrease, and your premiums will never increase during the life of the policy. The policy provides a limited benefit in the first two policy years.

If you are between the ages of 50 and 75, you cannot be denied for health reasons. You won’t be required to take a medical exam, or answer any health questions. Our quick approval process ensures that you get the coverage you need, when you need it.

Why MassMutual?

Since 1851, we’ve been dedicated to helping people secure their financial future and protect the ones they love.

MassMutual Guaranteed Acceptance Life Insurance will help secure your family’s financial future. A policy provides guaranteed lifelong coverage with no medical exam or health questions.

If planning for the future seems a bit overwhelming, don’t worry—we’re here to help you every step of the way. When you call us at 1-888-379-7416, a licensed agent will be there to help you find the coverage that meets your needs.

Frequently Asked Questions

  • Do I need MassMutual Guaranteed Acceptance Life Insurance? If someone relies on your financial support, Guaranteed Acceptance Life insurance may be helpful. This policy is designed to help your loved ones pay for your final expenses, such as funeral and burial costs, medical bills, or other consumer debts.
  • Do I qualify? If you are between the ages of 50 and 75, you cannot be denied coverage for health reasons. You won’t be required to take a medical exam or answer any health questions.
  • Will my insurance coverage decrease? No—your coverage amount is guaranteed, and will never decrease for the life of your policy. As long as you pay the premiums, MassMutual will not cancel your policy. You should know, however, that if you have taken a loan on your policy, it will decrease your cash value and death benefit until it’s paid back. If it’s not paid back before you die, the death benefit paid to your beneficiaries will be reduced by any outstanding loan amounts.
  • How can I use a Guaranteed Acceptance Life Insurance policy? The funds are for your beneficiaries to use as they see fit. For example, they may use the proceeds of a Guaranteed Acceptance Life Insurance policy to pay for expenses such as funeral and burial costs, medical bills, or other consumer debts. Plus, the policy builds cash value that you can use for a loan or cash withdrawal if you need it later in life.
  • Will my premiums increase? Your premiums are guaranteed to remain level and will not increase for the life of your policy.
  • How can I use my policy’s cash value? The decision to purchase life insurance should be based on long-term financial goals and the need for a death benefit. Life insurance is not an appropriate vehicle for short-term savings or short-term investment strategies. While the policy allows for loans, you should know that there may be little to no cash value available for loans in the policy's early years. Access to cash values through borrowing will reduce the policy's cash value and death benefit, increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured.
Get Started!

By submitting this request, I consent to receive phone calls from MassMutual, its financial professionals, its licensed insurance agents, or vendors on its behalf, regarding MassMutual products and services, at the phone number above, including my wireless number (if provided). I understand that (1) these calls may be generated using an automated technology and (2) I am not required to grant this consent as a condition of purchasing any MassMutual products or services that I instead may call 1-888-379-7416.

Guaranteed acceptance life insurance is only available to those between the age of 50 and 75.

Guaranteed acceptance life insurance is only available to those between the age of 50 and 75.
But don’t worry—There are other options available to you!
Mass Mutual works with TZ Insurance Solutions, which offers customers a variety of life insurance options from some of the nation’s leading providers.
Click "Get Quote" and a licensed agent will contact you to discuss similar life insurance options.

Guaranteed acceptance life insurance is not currently offered in your state. But don’t worry—there are other options available to you!

MassMutual works with TZ Insurance Solutions, which offers customers a variety of life insurance options from some of the nation’s leading providers.

Click “Get Quote” and a licensed agent will contact you to discuss similar life insurance options.

Guaranteed acceptance life insurance is not currently offered in your state.

Thank You!

We received your information. A licensed insurance agent will contact you shortly to discuss your coverage options.

Thank You!

We received your information. A licensed insurance agent will contact you shortly to discuss your coverage options.