Free term life insurance is available now

A 1950s-era photograph of a father and young daughter sitting on a grassy lawn.

Ensure her education today with free term life insurance. (Photo Credit: CC BY/Vicci/Moon, Stars and Paper)

Life insurance can provide loved ones with financial security in the event of the policyholder’s death. For most people, term life insurance (aka term assurance) is among the most affordable packages, as low as a few hundred dollars per year for $250,000 worth of coverage. For customers of MassMutual Financial Group of Massachusetts, however, the price is even better. According to, MassMutual is currently offering free term life insurance.

Get free term life insurance while you’re healthy

Life insurance experts advise potential customers that if they’re interested in a policy, the time to buy is when you’re young and healthy, as rates are significantly lower. If a person has dependents, life insurance is almost always a good idea.

In general, term life insurance provides coverage at a fixed rate for a limited period of time – the term period. At the end of the term, coverage expires unless additional coverage is obtained. If the insured dies mid-term, death benefits are paid to the beneficiary.

Take the MassMutual LifeBridge to free term life insurance

MassMutual Financial Group is willing to set aside $50,000 in free term life insurance that can be applied toward the education of the policyholder’s children in the event of the policyholder’s untimely death. This may seem too good to be true, but says MassMutual is the real deal. Provided a person meets the qualifications for the free term life insurance policy through MassMutual’s LifeBridge program, the money can be there for the future.

The $50,000 is placed in a 10-year trust. If the policyholder dies during the life insurance term, benefits are paid directly toward children’s tuition, fees, books and on-campus room and board, whether the children are in pre-school, private school, trade school or college. After the policyholder’s death, the children have either 10 years or until age 35 to use the trust money, whichever is later.

Free term life insurance requirements

Those interested in MassMutual’s LifeBridge life insurance program must meet the following qualifications:

  • Be at least 19 but not older than 42
  • Be the parent or legal guardian of one or more dependent children younger than 18
  • Be a permanent legal resident of the U.S.
  • Be employed full or part time and have a family income between $10,000 and $40,000
  • Be the only parent or guardian in your household to get started
  • Be in good health in the view of MassMutual underwriters
  • Have not been diagnosed with heart disease, cancer, HIV or Type 1 diabetes
  • Have not abused drugs or alcohol at any time within the past 10 years
  • Are not currently on probation

Blood and urine tests are required before free term life insurance approval. Suicide within two years of the policy’s effective date voids the policy. Additional information is available at MassMutual Financial Group’s website.


MassMutual Financial Group

MassMutual LifeBridge brochure

MassMutual LifeBridge FAQ


MassMutual LifeBridge program testimonial

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