Mass Mutual Guaranteed Universal Life Insurance Review

Compare companies and policies that offer guaranteed universal life in our 2023 rankings.

Quick Summary: Pricing is not competitive for most age bands. If you are over 70 or looking to do a single premium payment, then should be considered. Rider options are very limited and pricing is hard to obtain. Extremely strong company that has been doing life insurance for almost 200 years.

About the Company - Mass Mutual

review of the Mass Mutual UL Guard guaranteed universal life insurance policy

The Massachusetts Mutual Life Insurance Company is one of the oldest and strongest life insurance carriers around. They got their start in 1851 and now have close to 10,000 advisers in offices worldwide.

From a financial perspective, Mass Mutual checks all the boxes that give policy owners confidence. Currently servicing $560 Billion in active life insurance, they are backed up by total assets over $400 Billion.

Insurance rating organizations hand out top marks to Mass Mutual based on their stability and a positive outlook for the future. This includes an "A++ Superior" from A.M. Best and an "Aa2 Excellent" from Moody's Investor Service.

What is Guaranteed Universal Life Insurance? (expand to learn more)

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About the Mass Mutual Guaranteed Universal Life Insurance Policy

Product Name

UL Guard

Death Benefit

$100,000 to No Maximum


0 to 80

Coverage Length

To age 121

Mass Mutual Underwriting Secrets

We have found Mass Mutual to a little on the "tough" side overall when it comes to underwriting. This doesn't mean you should just skip them. Most life insurance companies have their niches and strengths and it's not different at Mass Mutual.


The secret to finding the cheapest life insurance rates is applying at the company that will view you most favorably.  Just going with the one that shows the lowest rates can be a BAD idea and end up costing you more money.

Mass Mutual underwriting is competitive and forgiving for the following situations:

  • Cigar smokers
  • Multiple moving violations such as speeding tickets
  • High cholesterol levels that are controlled by medication  

Mass Mutual may NOT be a good choice for:

  • Elevated triglyceride levels
  • History of depression or anxiety

Cost - Sample Rates

The pricing for Mass Mutual guaranteed universal life is higher than most carriers. Our analysis of all carriers shows us a couple situations where you may want to take a look at them.

  • Over age 70. Their sweet spot seems to be the senior market once you start to get in the 70-75 age range. Keep in mind, all carriers will charge rather high premiums in this age band to reflect the risk of offering new life insurance policies at older ages.
  • Single Pay Premium. If you are looking to dump a large sum of money into a GUL policy and only pay the premium one time, Mass Mutual has some of the most attractive rates at any age.

Mass Mutual does not allow their premium pricing to be published online. You can compare several top guaranteed universal life insurance carriers available in your state by using our GUL quote tool.

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One of the highest rated companies for financial strength

Good pricing for age 70+


Pricing is expensive for most ages, cheaper options available 

Very limited rider and policy options

Not willing to share pricing online without speaking to a sales rep

Extras, Options, and Flexibility

Mass Mutual's rider options fall short vs the competition. They include very little with the base policy and do not offer additional options even if you are willing to pay for them. I don't understand why they do this.

Automatically Included at No Extra Cost

Accelerated Death Benefit Rider - Take a part of the death benefit (up to $25,000). This is available if the insured has been diagnosed with a terminal illness and given less than 12 months to live (in some states 24 months).

This rider cannot be used for a chronic or critical illness in the way that the North American GUL policy provides.

How To Make Sure You Choose the Right Universal Life Insurance Policy

The best advice I can give is to always work with an independent agent. If you call a company direct, they'll only push their products on you, and you save nothing. Rates are fixed by your state laws.

Life insurance is the ONLY thing we do. We know the ins and out of 60+ companies and can find you the lowest rates. Every. Single. Time.

To get started, fill out a quote request and we'll be in touch soon to help.

independent life insurance agents helping to secure affordable life insurance coverage

No pressure or cost to use our help.

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  • Ty Stewart

    Ty Stewart is a founder and contributor of He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent he has helped clients nationwide to secure affordable coverage while making the process simple.

  • Bennett Bier

    I’m Bennett Bier, owner, author and fact checker of Simple Life Insure. I believe working with a small independent broker offers consumers more personal attention and superior customer service. As an independent agent licensed in all 50 states and the District of Columbia I have access to many of the top A+ rated life insurance carriers. This lets me locate a plan that you will qualify for while saving you money at the same time. Over the years I have mastered the art of underwriting, getting approvals even for my highest risk clients. I’m also likely the person that will answer the phone when you call.