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 startTeach the responsibility of protecting your loved ones; andGive 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. Get a Quote! Why whole life insurance on a child? They’re never too young to startChildren are usually healthierGenerally lower premiums12, 15 and 20 year payment options availableWhole life grows with a child:Guaranteed Insurability Rider (GIR)Additional coverage regardless of future healthPeriodic or at life eventsAvailable at additional costDividends—Paid-Up AdditionsIncrease death benefitIncrease cash valueDividends are not guaranteed Gifts & Cash Value Birthday Gifts1You 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 Access1As adults, they can use it throughout their lives:College graduation—Age 21Wedding—Age 28Home purchase—Age 32Tax-free retirement income—Age 65Distributions 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.