Build a Legacy with Guaranteed Whole Life Insurance
Secure lifelong protection, guaranteed cash value growth, and the potential for dividends* – all designed to help you achieve your long-term financial goals.
*Dividends are not guaranteed.
Why Choose MassMutual Whole Life?
Discover the core advantages that provide security and flexibility for your financial future.
Receive a guaranteed death benefit for lifelong coverage, ensuring your loved ones are protected as long as premiums are paid.
Build cash value on a tax-deferred basis, guaranteed to grow each year. Access it via loans or withdrawals for your future needs.²
As a policyowner with a mutual company, you're eligible for potential annual dividends, further enhancing your policy's value.
Benefit from tax-deferred cash value growth and generally income-tax-free death benefit proceeds for your beneficiaries.⁴
¹All guarantees are based on the continued claims-paying ability of the issuing insurance company.
²Policy loans and withdrawals reduce the policy’s cash value and death benefit and may create a taxable event or cause the policy to lapse.
³Dividends are not guaranteed. They are declared annually by MassMutual’s Board of Directors.
⁴Consult your tax advisor regarding your specific situation.
Flexible Uses for Your Whole Life Policy
Whole life insurance can be a cornerstone of your financial plan, adaptable to various life goals.
Leave a Lasting Legacy
Provide a tax-free death benefit to cover final expenses, replace income, or leave an inheritance.
Supplement Retirement Income
Access the policy's cash value through loans or withdrawals to help fund your retirement years.²
Cover Long-Term Needs
Utilize cash value or riders (if added) to help address costs like education or unexpected emergencies.
Utilize Potential Dividends³
Use non-guaranteed dividends to pay premiums, buy additional coverage, or take as cash.
Customize with Riders
Tailor your policy with optional riders like Waiver of Premium or Accidental Death Benefit for added protection (additional cost applies).
Business Planning
Can be used in strategies like key person insurance or funding buy-sell agreements.
What My Clients Say
"Gaurab's expertise transformed our financial planning. His clear guidance has given my family the confidence to secure our future."
- Radha Sharma, Sacramento, CA
"Professional, knowledgeable, and genuinely caring. I highly recommend Gaurab for his personalized approach to life insurance."
- Dhaneshwar Rakhal, Antelope, CA
Your Trusted Partner for a Secure Future
Hello! I'm Gaurab Subedi, your dedicated life insurance professional based right here in California. Navigating the path to financial security can seem complex, but my mission is to simplify it for you. I'm passionate about helping individuals and families in our community understand their options and build a strong foundation for the future. By taking the time to listen to your unique story and goals, I provide personalized guidance to help you protect what matters most – your loved ones and your peace of mind. Whether you're just starting out, growing your family, or planning for the long term, I'm here to be your partner in creating a legacy of security.
Financial Education Resources
Gain insights into whole life insurance and sound financial planning with our curated resources.
Ready to Start Your Plan?
Take the first step towards lifelong financial security. Reach out for a complimentary, no-obligation consultation.