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How Much Will Health Care Cost in Retirement?

In times like these, good decisions matter. And when you have a need for life insurance, you should consider whole life and its flexibility. To begin with, of course, there’s the guaranteed death benefit, which can help give you peace of mind by assuring a legacy for your heirs. But there are other benefits as well.
For example, the build-up of a policy’s cash value is also guaranteed, and can help to give you a reliable source of supplemental retirement income regardless of market conditions.1 And with all the volatility in investment markets and the economy, whole life can help make your retirement more secure. You can depend on your policy’s guaranteed cash value growing to a specified amount over time.
And you can customize your whole life policy to fit your needs with optional riders that provide even more features and benefits,2 and even increase your whole life insurance coverage with evidence of good health.3
To make sure you get the right solution for your needs, it’s a good idea to work with a trusted financial professional.
© 2011 Massachusetts Mutual Life Insurance Company 01111-0001
1Access to cash values through borrowing or partial surrenders will reduce the policy’s cash value and death benefit, increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured.  2. Riders are available at an additional cost.
3.  If you own a MassMutual term life insurance policy or certain riders, you may be able to convert your term coverage to whole life coverage without evidence of good health.
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Christopher Perme is a registered representative of and offers securities, investment advisory and financial planning services through MML Investors Services, LLC. Member SIPC. (www.SIPC.org) Supervisory Office: 1660 West 2nd Street, Suite 850 Cleveland, OH 44113. 216-621-5680. Perme Financial Group is not a subsidiary or affiliate of MML Investors Services, LLC or its affiliated companies.