Products & Services

Increasing Understanding and Insight on Health and Financial Well-Being

As a mutual company that operates for the benefit of our policyowners, MassMutual is focused not only on providing financial security, but also on supporting overall quality and length of life. That’s why we enable eligible policyowners to gain knowledge about their health through a variety of tools, offerings, and research so they can make informed, proactive decisions and potentially lead longer, healthier lives.

Empowering Policyowners’ Healthy Choices Through Health and Wellness Programs

MassMutual’s health and wellness programs centralize initiatives that provide policyowners with insights into their potential health risks, empower them to seek out appropriate interventions, and motivate healthy behaviors and lifestyles. Participation is available at no additional cost and is completely voluntary, with privacy and protection as a top priority. Programs employ a test and learn approach, with potential for future offerings and research studies to be launched, and others to be concluded, depending on policyowner interest and learnings. Examples of current offerings include: a genetic risk assessment service, a multi-cancer early detection test, an optional term life insurance policy rider that provides rewards for healthy behaviors, and a study of the correlation between lifestyle practices and the health and wellness of college students. Any findings have no impact on policyowners’ current policies or premiums.

Piloting Early Detection Services to Promote Longer, Healthier LivesSee footnote 25

Initiatives in 2023 included a research collaboration with Genomics, PLC, whereby eligible policyowners were offered a genetic risk assessment service that provided information about their risk for diabetes, cancer, cardiovascular disease, and other serious conditions. Among the more than 1,400 policyowners who participated in the initial pilot, one in five learned they may be at higher risk for preventable diseases, and 71 percent planned to take preventive action, such as physician-recommended diagnostic tests and health and lifestyle modifications.

We also conducted a pilot with GRAIL, LLC, whereby eligible policyowners were provided with access to early detection testing across more than 50 types of cancer, including several for which no other form of screening is available. Of more than 2,200 policyowners who participated in the pilot, nearly two dozen positive cancer signals were detected. 94 percent of participating policyowners indicated a positive overall experience with their testing.

Rewarding Healthy Behaviors with the MassMutual WELL Rider

At MassMutual, we know that individuals increasingly want to take charge of their health and well-being so they can live their best lives. That’s why we are also debuting exploratory initiatives that incentivize and reward healthy behaviors, using data from wearable devices. For example, the MassMutual Wellness-Enhanced Lifestyle and Longevity (WELL) Rider is an optional offering that gives eligible MassMutual term life insurance policyowners the opportunity to earn rewards for healthy behaviors. By voluntarily tracking and reporting their physical activity and sleep data utilizing a wearable device through the LivingWELL by MassMutual app and meeting associated goals, participants can receive cash rewards of up to 5 percent of their annual policy premium.See footnote 26

Researching Habits That Alleviate Stress and Anxiety in College Students

Continuing in 2023, MassMutual partnered with researchers at the University of Vermont to explore lifestyle practices that impacted the health and wellness of more than 600 student volunteers, leveraging data from a ring (Oura) that tracks movement and sleep data. Findings from the study revealed a significant correlation between well-being markers, such as exercise, respiratory rate during sleep, group therapy, and time spent in nature, and the reduction of stress and anxiety in college students.

Strengthening Financial Confidence with MassMutual’s Financial Wellness Hub

MassMutual believes financial wellness is a cornerstone to people’s overall health and well-being. By creating accessible, on-demand financial education and tools, we help more people take steps toward their financial goals and reaching financial well-being.

In 2023, MassMutual reached a key milestone in our efforts to help all Americans achieve financial well-being with the launch of our Financial Wellness Hub on This digital financial wellness solution provides free, public access to objective, actionable financial guidance and tools for the clients and communities that we serve. The experience features on-demand learning in a variety of formats, so people can learn at the pace and in the way that works best for them. Designed with the common questions and pain points that consumers experience, the Financial Wellness Hub aims to help people determine their financial priorities, assess their own financial health, create a vision board for their future, and calculate what they need to get there. It’s a one-stop-shop for people to build their financial confidence and move forward with making decisions.

Advancing Generational Wealth Building for All Americans

Since 2015, MassMutual and the MassMutual Foundation have worked with financial educator EVERFI on our financial literacy program, FutureSmartSM, which has brought critical financial education to middle and high school students across the U.S. In 2023, we expanded our partnership to offer a digital learning experience centered around creating access and putting people on the path to building generational wealth. With a focus on advancing generational wealth-building in communities of color, this experience is delivered in contextually relevant formats and tailored to today’s youth. Partnerships with several outside nonprofit organizations work toward making financial education as inclusive as possible.

  1. MassMutual Launches Innovative Wellness Offerings that Help Policyowners
  2. Cash payments received through the WELL Rider program may be considered taxable income. The information provided is not written or intended as specific tax or legal advice. MassMutual, its subsidiaries, employees, and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.