The Gift of a Lifetime, a lasting connection to a child you love.
What if I told you that you could:
- Give your children or grandchildren a financial head start
- Teach the responsibility of protecting your loved ones; and
- 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.

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
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
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.