A way to help cover final expenses that's affordable and easy to get —
from MassMutual.

Instant quote tool
First Name
Last Name
Email Address
Phone Number
Select State
Date of Birth
Disclaimer: By pressing "Submit" above, (1) I consent to receive e-mails, telephone calls, text messages, and artificial or pre-recorded messages from MassMutual, TZ Insurance Solutions LLC, or their respective affiliates and their respective licensed agencies and agents (and their service provider partners on their behalf), regarding their products and services at the email address and telephone number provided above, including my wireless number (if provided), utilizing an automated telephone dialing system and I understand that I am not required to grant this consent as a condition of purchasing any property, goods, or services from the foregoing companies and that I instead may call 1-800-795-9117 and (2) I agree to this website's Privacy Policy and Terms of Use.

Discover how it can fit your needs and budget.

Your monthly rate is based on your age, gender, and how much coverage you select. Use the simple MassMutual instant quote tool to learn how much coverage you may be able to afford, then click “Continue” to have a representative contact you about Guaranteed Acceptance Life Insurance. At MassMutual, we have strong financial ratings and a long history of helping people protect what matters most.

Discover how comforting it is to know you’ve taken this step to help cover final expenses.

Many people age 50 to 75 have used MassMutual Guaranteed Acceptance Life Insurance to help cover their final expenses. Here’s just one example of how it can help provide peace of mind for you—and protection against financial burden for your family.



    How long we’ve been helping people protect what matters most.


    Our Standard & Poor’s financial strength rating. 2

    2Standard & Poor’s rating applies to Massachusetts Mutual Life Insurance Company and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company. Rating is as of 3/20/2017, and subject to change. MassMutual has received other ratings from other rating agencies.


    Average funeral cost. 1


    Amount that 75% of U.S. households spend on end-of-life medical bills. 2


    Average credit-card debt carried by Americans age 50+. 3

    12015 National Funeral Directors Association General Price List Survey.
    2“Out-of-Pocket Spending in the Last Five Years of Life,” Journal of General Internal Medicine, 2012.
    3“In the Red: Older Americans and Credit Card Debt,” AARP analysis of Demos’ National Survey on Credit Card Debt of Low- and Middle-Income Households, 2013.

    $2,000 - $25,000

    How much Guaranteed Acceptance Life Insurance coverage you can get.


    Starting point for monthly premiums.1

    1Rate for $2,000 coverage for a 50-year-old female. Your rate will depend on your age, gender, and amount of coverage.


    of people will have end-of-life final expenses.


    No one wants to leave a financial burden.

Coverage is issued by C.M. Life Insurance Company (except in NY), a subsidiary of Massachusetts Mutual Life Insurance Company.

Why it pays to get Guaranteed Acceptance Life Insurance.

It’s valuable

This coverage is designed to help people age 50 to 75 pay for final expenses such as funeral costs, medical bills, and other debts.

It’s affordable

Rates can start at less than $10 a month1, so there’s a policy to fit your needs and budget. Use our easy instant quote tool above to see how much your monthly rate may be.

It’s guaranteed

Your coverage is guaranteed throughout the life of the policy. Your premium is guaranteed never to increase, and your coverage is guaranteed never to decrease.

It’s easy

Your acceptance is guaranteed, too—there are no medical exams to take, or health questions to answer. Not now, not ever.

Why it pays to get it from MassMutual.

For more than 160 years, we’ve been putting our policyholders first. Our financial ratings are among the highest of any company in any industry2. Our quick approval process helps you get the protection you need, when you need it—and benefits are paid quickly and directly to your beneficiaries.

Discover answers to your questions.

Just as we’ve been for more than 160 years, MassMutual is here to help. These are the things people ask us most often about Guaranteed Acceptance Life Insurance:

Without protection to help cover final expenses, these inevitable costs—such as funeral and burial expenses, medical bills, and other debts—could fall upon your loved ones.

Final expense coverage gives you peace of mind now, knowing you won’t leave a financial burden—and gives your family financial protection for the future.

Rates can start at less than $10 a month1, depending on your age, gender, and the amount of coverage. Use the easy instant quote tool above to get an idea of how much your monthly cost would be for the coverage you need.

If you’re age 50 to 75, you can’t be turned down for health reasons. We won’t require you to take a medical exam or answer any health questions—now, or at any time in the future. Just like the name says, your acceptance is guaranteed.

No. Your coverage and premium amounts are guaranteed throughout the life of the policy. So your premium will never increase, and your coverage will never decrease. As long as you pay your premiums, your policy is guaranteed for life.

Your beneficiaries can use the funds as they see fit, including paying for final expenses. Plus, the policy builds nominal cash value that you can use for a loan or cash withdrawal, should you need it later in life. Please note that the policy's death benefit and cash value will be reduced by the amount of any loans or withdrawals you take.

Still have questions?

Feel free to call us at 1-800-804-7015, and a friendly, helpful MassMutual licensed agent can help you determine if Guaranteed Acceptance Life Insurance is right for you.