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LAST UPDATED: September 18th, 2023

MassMutual is a trusted insurer for its financial stability. It has continued to operate since 1851 and has earned high financial strength ratings. These factors show that policyholders can depend on insurance policies from MassMutual.

MassMutual is also a mutual company, which means that it is owned by the policyholders instead of shareholders, which allows MassMutual to focus primarily on the needs of its policyholders.

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The Good

  • Trusted Insurance Provider
  • Favorable Company Structure
  • Convertible Term Life Insurance
  • Backs Haven Life
  • Helpful Mobile App
  • Group Offerings

Trusted Insurance Provider

Founded in 1851, MassMutual has stood the test of time, which is important when choosing an insurer. You want to pick a company that is financially stable, so many years of industry experience are a good sign.

When buying a life insurance product, you'll want to check the financial ratings. MassMutual has also earned high financial strength ratings, which indicates its likelihood of being able to make claims payments. 

These current high ratings combined with MassMutual's industry experience make it a trusted life insurance company.

Favorable Company Structure

MassMutual also has a favorable company structure. It is a mutual company which means that the policyholders own the company and that MassMutual doesn't have to answer to shareholders.

This structure means that MassMutual is focused on what's best for its policyholders. Permanent life insurance policyholders are also eligible to receive dividends when the company does well.

Convertible Term Life Insurance

MassMutual offers term life insurance policies that can be converted to a permanent policy later. This offering allows you to buy the coverage you need sooner at more affordable rates and convert your policy later when your financial situation changes.

Backs Haven Life

MassMutual underwrites the life insurance policies from Haven Life. Haven Life was one of the first companies to offer an online life insurance quote, application, and purchase experience.

Haven Life is one of the top-ranked companies on Best Company. Read our Haven Life profile to learn more about Haven Life.

Helpful Mobile App

MassMutual offers its policyholders a helpful app. Through the secure app, you can manage your life insurance policy. This makes paying monthly premiums and viewing necessary tax forms convenient when you're a policyholder.

Group Offerings

In addition to life insurance products for individuals, MassMutual offers group whole and universal life insurance policies that employers can include in their benefits package. Employers can benefit from working with MassMutual to attract and keep top talent.


The Bad

  • Undisclosed Policy Details
  • Unclear Quote and Application Processes
  • Limited Customer Insight

Undisclosed Policy Details

While MassMutual offers general information about the kinds of life insurance policies it offers online, it's difficult to find information about what coverage levels are available and the underwriting process.

Underwriting is how insurers determine whether or not to issue a life insurance policy and at what rate. You can find fully underwritten policies that require a medical exam and simplified underwriting that goes much faster. Sometimes you can get a better rate by choosing a fully underwritten policy.

Unclear Quote and Application Processes

While you can view quotes and apply for a MassMutual ® Direct Term policy online, it's unclear what the quote and application process look like for MassMutual's permanent policies. You may need to reach out to one of its professionals in your area to learn more about cost and applying.

Limited Customer Insight

MassMutual has a limited number of customer reviews on, which makes it difficult to make a conclusive recommendation based on the customer experience.

However, MassMutual has high financial strength ratings, has stood the test of time, and offers several life insurance options. These factors make MassMutual life insurance worth exploring further.


The Bottom Line

MassMutual life insurance policyholders benefit from a favorable company structure, financial stability, and a helpful mobile app. These features make MassMutual an insurer worth considering.

While MassMutual has many of the characteristics of a good insurance carrier, its policy quote and application process is unclear and underwriting details are not available on its website.

MassMutual also hasn't received many customer reviews which makes it difficult to make a certain recommendation.

However, MassMutual has all the most important characteristics an insurer can have, so its life insurance coverage is worth investigating further.

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7 Reviews

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Maggie Zou Atlanta, GA

Overall is OK. But their customer service sucks... I wanted to ask some questions about my 401K, so I called them. (They don't have online chatting but I'm not sure if it is because I'm using a website only built for my employer.) I went through a long menu and waited more than half an hour to get a person to speak to. Then he transferred me to somebody who can really answer my questions and I waited for another half an hour. And when I finally got a specialist to speak to, I'm kind of disappointed because he didn't pay attention to my questions. Most of time he was pulling out the data, repeating the general information about my plan, or trying to transfer me to another salesperson, or trying to persuade me to use MassMutual's products.

2 years ago


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J Paul Wright Central, UT

I had a whole life policy with Mass Mutual. It was very expensive. I ended up selling it to get the money out, which was nice as I needed it at the time. The company, however was easy to work with but that policy was expensive.

5 years ago

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Sherry Wootton Ogden, UT

Being financially ready for what ever life brings is a comfort. Thank you Mass Mutual for looking out for our financial retirement planning.

5 years ago

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Jeffrey Salas Gilbert, AZ

As we are all aware, this is an absolute necessity when it comes to protecting your family. They provided me piece of mind and security for as long as we'e been working with MassMutual.

5 years ago


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Annie Robbins Pleasant Grove, UT

We have had an insurance policy with Mass Mutual for over 12 years. Great explanation of benefits and continual communication on coverage.

3 years ago


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Justin McMurtrey South Jordan, UT

I have a term life policy through Mass. it a good simple policy. They have a good reputation and good policies.

3 years ago


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Sarah Wright

I had a whole life policy with mass Mutual. It was very expensive so I cancelled it.

4 years ago