How about MassMutual Life Insurance Company?Company credit evaluation and product introduction

MassMutualFinancial strength and ratings

Mass MutualAs a Fortune 500 company, Vantone Life has more than $5000 billion in assets under management.In addition to being a financial giant, MassMutual Life is also considered to be one of the best life insurance companies in the United States.Major credit rating agencies, including AM Best, Fitch, Moody's, and Poor, have given him first-class ratings. The following is the rating details ( How to interpret? ):

• AM Best – A++
• Fitch/Fitch – AA+
• Moody's – Aa2
• Standard & Poor's – AA+

Mass MutualVantone Life focuses on financial planning and business, family insurance and other businesses. Its core competitiveness is to position itself as the guardian of wealth, to attract key employees with benefits, and to plan for the heirs of family-inherited businesses.

MassMutualproduct description

As a Fortune 500 company,Mass MutualWantong LifeThe scale of assets under management is as high as $6750 billion(As of 2016), such asLife insurance, disability insurance, and long-term care insurance (LTCi), annuities, 529 education plans, retirement plansAnd other services.In addition to the main lifetime life insurance products, Vantone Life also has a series of products for customers to choose from. The following is a list of product categories:

1. Term life insurance
2. Participating Whole Life Insurance
3. Universal Life Insurance
4. Investment universal insurance
5. Guaranteed Acceptance (Guaranteed Acceptance)

Term life insurance

Mass MutualWantong LifeDirect TermThe product can be applied for online, if approved, it can take effect immediately.The insured amount ranges from 10 to 200 million, and customers aged 18 to 64 can apply.However, the applicant must undergo a physical examination within 90 days. After the examination report comes out, in some cases, the premium and the insured amount may be adjusted.When this situation is sent, you can choose to cancel the insurance, get a refund, or accept the change in premium and insured amount.

Mass MutualVantone Life also through its subsidiaries:Haven Life, Provide term life insurance products.In the recent company rankings of the American Life Insurance Guide, Haven Life ranked in the top 3 in the term life insurance brand category.This company retrieves customers’ medical records to determine premiums, so most young people and healthy applicants do not need to undergo pre-insurance medical examinations.

Mass MutualOne of the characteristics of Wantong term life insurance is that it hasConversion clause, Term life insurance can be directly converted into whole life insurance products, exempting the insured from the process of re-applying again, which often avoids medical examinations or other insurance procedures.

If you need a term life insurance and do not have the desire to switch to whole life insurance in the future, you may be able to skip this.

Savings Participating Whole Life Insurance

Mass MutualWantong Life InsuranceSavings dividend-type whole life insurance productsIt is the company's flagship insurance product.

The main products of Vantone Life Insurance Savings and Dividend Products are:

• 10 Pay Whole Life-10 years pay off savings insurance (Product Evaluation）
• 15 Pay Whole Life – 15-year pay-off savings insurance
• 20 Pay Whole Life – 20-year pay-off savings insurance
• Pay to 65 Whole Life – Pay to 65 Whole Life Savings Insurance
• Pay to 100 Whole Life – Pay to 100 Whole Life Savings Insurance
• HECV Whole Life-early cash value savings insurance

Savings insurance guarantees a fixed amount of death compensation for the life of the insured.The cash value of this type of savings policy can be increased, and it can be used as an education fund for children in the future or as a supplement to one's own retirement income plan.

The holders of the savings policy of Vantone Mutual Insurance can receive annual dividends from Vantone Mutual Life Insurance Company.These dividends will be paid in cash, or put in the cash value of the insurance policy.Although there is no strict guarantee for the amount of these dividends, since 1869, Vantone Mutual Life Insurance Company has been paying dividends every year for more than 150 years.

Universal insurance

Mass MutualVantone Life's universal insurance products are sold through brokers and are a product that guarantees lifetime.If other universal insurance products are the same, it provides a greater degree of flexibility to meet the changing needs of policyholders.For example, when the cash value of the policy is sufficient to cover the future insured amount, the insured can choose to continue to pay the premium, even put in more premiums, or reduce the premium.Under normal circumstances, such products provide a guaranteed minimum death benefit and payment period.A standard universal insurance contract has a promised interest rate.

Investment universal insurance

If you consider investing in a portfolio of securities and pursuing cash value growth, thenMass MutualVantone Life's investment universal insurance products meet your needs.This type of product is characterized by the pursuit of high growth, while also providing a guaranteed death compensation.It is worth noting that the investment part of the cash value enters the market directly, investing in stocks, bonds or mutual funds, the risk is proportional to the return.Before investing in such insurance products, you need to understand and plan with a formal broker.

Guaranteed Acceptance (Guaranteed Acceptance)

Mass MutualVantone Life provides a guaranteed underwriting life insurance, the original purpose of which is to provide customers with protection of expenses at the end of their lives.

Its coverage ranges from $2,000 to $25,000, and the premium may start from the initial $10 a month.Once the policy goes into effect, the premium will be locked-this means that the premium will be fixed during the validity period of the policy.

This product is aimed at the 50 to 75 year old group.At this age, it is more difficult for them to apply for products from other insurance companies, they are prone to rejections, or the premiums are very expensive.The insurance coverage of this product is not large, and it is provided for middle-aged and elderly people. The feature is that no physical examination is required regardless of physical health, and the insurance is guaranteed to be accepted by customers.

MassMutualOther business

Mass MutualIn addition to the field of life insurance, Vantone Mutual Financial Group also extensively develops the following businesses:

• Disability insurance
• Long Term Care Insurance (LTCi)
• Medical and health supplementary insurance
• Retirement annuity
• Individual retirement accounts (IRAs)
• Mutual Funds (OppenheimerFunds)
• Exchange Traded Funds (ETFs)
• Unit Investment Trusts (UITs)
• 529 College Savings Plans
• Advisory and fiduciary services
• Company welfare solutions

Mass MutualIndustry honors of Wantong Mutual Life

The company has won many honors in 100 years. For example, it won the "World's Most Ethical Company Award" in 2016. This is the third time this company has received such recognition.Other accolades include but are not limited to: "The 100 Best Companies for Full-time Moms", "The Best Places to Work for LGBT", "The 50 Most Diversified Companies", etc.

Mass MutualVantone Mutual Life is also a philanthropic company.In 2016, the company donated more than 2000 million US dollars in charitable donations to the society, most of which went to community education and economic development programs.Vantone Mutual also cooperates with the American Academy of Financial Services in Bryn Mawr, Pennsylvania to operate the Vantone Mutual Special Needs Center (American College MassMutual Center for Special Needs).The center trains and educates financial professionals. The goal is to help elders and disabled families, and support these families to make financial plans for relatives who need special care at home.

inSurGuru©️YesMassMutualFinal evaluation

Mass MutualWantong Mutual Insurance has a long history of mission, good social reputation, extensive business coverage, and strong financial statements, which makesMass MutualWantong Life, an industry giant, is difficult to easily surpass.

The continuous development of Vantone Life itself may also become one of the driving forces to promote the development of the life insurance industry.in2018 Savings Dividend Insurance Evaluation Ranking Listin,Vantone Mutual Life has ranked first with a high dividend rate for many years.In the industry, many independent Brokers and independent evaluation agencies agree that MassMutual is the most worthy of consideration for savings and dividend life insurance companies.

From the perspective of life insurance products,Term life insuranceThe application of the product is quicker and more convenient. The independent sub-brand Haven Life has become the industry leader in term life insurance.

And considering both strength and guaranteed return,Mass MutualWantong Mutual CoreSavings dividend-type whole life insurance products, Is a very good choice.