Complex financial strategies may require protection, flexibility and potential investment growth from a single product. Variable universal life insurance can help meet all these needs, with death benefit protection, an investment component and other lifetime benefits.

Variable universal life insurance (VUL) combines premium flexibility and permanent death benefit protection with the opportunity to direct net premiums into the policy’s Separate Account divisions and the Guaranteed Principal Account (GPA).1 You can direct a portion of your net premium payments to any of the investment options available through the separate account depending on the particular variable life product. Each investment option offers a different level of risk and growth potential. MassMutual variable universal life insurance products, through the Separate Account divisions, have available a wide array of investment options from some of the country’s most recognized fund companies.

One feature of variable universal life insurance (VUL) is its premium flexibility. You have the option to skip occasional payments as long as your policy has accumulated sufficient account value to meet the monthly deductions. This flexibility, along with the numerous riders you can add to your policy, allows you to customize your coverage and control your investment strategy. Available riders may have an additional cost.

Variable universal life insurance (VUL) is designed for individuals in need of permanent life insurance protection with an investment component. The policy’s death benefit can be used to replace lost income, transfer wealth to the next generation or fund a business continuation plan. During the insured’s lifetime, the account value that is accumulated can also provide “living benefits” in a tax-favored manner.2 These “living benefits” can be used for college funding, supplemental retirement income or key employee benefits.

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1 Guarantees are based on the claims-paying ability of the issuing company.

2 Withdrawals and decreases in Face Amount may have tax consequences. You should consult your tax advisor. Policy loans an/or withdrawals also reduce the cash surrender value and policy death benefit. Taking a policy loan could have tax consequences if the policy terminates before the insured’s death.

Variable life insurance policies are sold by prospectus. Before purchasing a variable life insurance policy, investors should carefully consider the investment objectives, risks, charges and expenses of the variable life insurance policy and its underlying investment choices. For this and other information, obtain the prospectuses for the variable life insurance policy and its underlying investment choices from your registered representative or click here for our financial documents. Please read the prospectuses carefully before investing or sending money.