Mass Mutual Guaranteed Acceptance Life Insurance Review

You probably saw the add on TV and are looking for reviews of this fairly new offering from Mass Mutual.  Well you’re in the right place.

mass mutual guaranteed acceptance life insuranceMass Mutual is a fantastic life insurance company, but they aren’t competitive when it comes to guaranteed acceptance life insurance.

Let’s clarify that “guaranteed acceptance life insurance” is life insurance with no medical questions.  As long as you’re between the ages of 50-75 for Mass Mutual and reside in the US, you qualify.

Mass Mutual offers coverage from $2,000 to $25,000 and there’s a 2 year waiting period (which they hide in the fine print and don’t mention on their TV ads).  Granted this 2 year waiting period is the same with all other carriers.  We just wish the TV advertisements mentioned this and not bury it in fine print.

With that said, there are a lot of guaranteed acceptance life insurance companies peppering you with adds on TV.  Companies like Colonial Penn, AARP, Mutual of Omaha, Gerber and AIG.  They’re all the same product with a different company behind it.  So guaranteed acceptance life insurance is truly a commodity and you should be shopping for the best price.

Mass Mutual is only one of the fish in the life insurance pond. We tell all of our clients the same thing: do your research. To help you, we’ve reviewed the companies we work with every day. These include, Zander Insurance, Primerica Life Insurance, United Home and many more.

Mass Mutual is NOT the best price.  Let me show you an example.

Let’s look at a 66 year old male looking for $10,000 of coverage:

Mass Mutual:  $96.50 per month
Gerber: $70.77 per month
AIG: $75.69 per month

Mass Mutual is over 25% more expensive in this instance.

We surveyed over a dozen different ages and coverage amounts and Mass Mutual fluctuated from 22%-30% more expensive.

There is absolutely NO REASON to buy Mass Mutual Guaranteed Acceptance Life Insurance when other companies offer the exact same coverage at a less expensive price.

If you’re truly in the market for a life insurance policy to cover your final expenses, we can get you coverage from reputable companies like Gerber and AIG at a lower cost.

And often times, those who call us for guaranteed acceptance life insurance might not even need it as many “final expense” companies take some pretty high risks which will be less expensive than buying a guaranteed acceptance life insurance policy AND you’ll get first day coverage instead of waiting for 2 years before the full benefits kick in.

We must say that we were surprised to hear of a Mass Mutual “Guaranteed Acceptance” life insurance offering.  Mass Mutual has been focused on their own agents selling whole life insurance and other financial products like disability insurance.  To see them get away from their core offering and go around their agent base was a surprise to many in the industry.

As an independent life insurance agency who can offer Gerber, AIG and other less expensive options at the same price as if you went direct to the company, it makes sense to work with us.  Our process is:

1) See if you can qualify for life insurance (without taking an exam still), other than guaranteed acceptance life insurance.  Guaranteed acceptance life insurance should be a last choice.

2) If you can’t qualify for other types of life insurance, we’ll compare all the top guaranteed acceptance life insurance companies based on your age, coverage amount desired or budget and present you the best option.

We don’t work for any specific life insurance company.  We work on behalf of YOU, our clients.

If you’re considering a Mass Mutual guaranteed acceptance life insurance policy, please contact us by filling out the form on the side or calling us.  We’ll provide you much better options from highly reputable companies.

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About Jeff Root

is the owner of He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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