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The Gift of a Lifetime, a lasting connection to a child you love.

What if I told you that you could:

  1. Give your children or grandchildren a financial head start
  2. Teach the responsibility of protecting your loved ones; and
  3. Give a gift that children won’t outgrow.

Giving the gift of participating whole life insurance to a child may help you do all these things.

That is why we call it The Gift of a Lifetime.

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Why whole life insurance on a child?

Why whole life insurance on a child?

They’re never too young to start

  • Children are usually healthier
  • Generally lower premiums
  • 12, 15 and 20 year payment options available

Whole life grows with a child:

Guaranteed Insurability Rider (GIR)

  • Additional coverage regardless of future health
  • Periodic or at life events
  • Available at additional cost

Dividends—Paid-Up Additions

  • Increase death benefit
  • Increase cash value
  • Dividends are not guaranteed
Gifts & Cash Value

Gifts & Cash Value

Birthday Gifts1

You could purchase a policy during a child’s birth month. Then, you could select the Cash dividend option. Each year, if dividends are paid, the child would receive the check as a birthday gift.

Cash Value Access1

As adults, they can use it throughout their lives:

  • College graduation—Age 21
  • Wedding—Age 28
  • Home purchase—Age 32
  • Tax-free retirement income—Age 65

Distributions should be made selectively 

Schedule a Time to Explore Options

1Distributions under the policy (including cash dividends and partial/full surrenders) are not subject to taxation up to the amount paid into the policy (cost basis). If the policy is a Modified Endowment Contract, policy loans and/or distributions are taxable to the extent of gain and are subject to a 10% tax penalty if the policyowner is under age 59 ½.

Access to cash values through borrowing or partial surrenders 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.

The products and/or certain features may not be available in all states. State variations will apply.

Whole Life Legacy series policies (Policy Forms: MMWL-2018 and ICC18-MMWL in certain states, including North Carolina) and MassMutual Whole Life series policies (Policy Forms: WL-2018 and ICC18WL in certain states, including North Carolina) are level-premium, participating, permanent life insurance policies issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001.