MassMutual E-Z Pass just got easier and more competitive

E-Z Pass just got easier and more competitive
Underwriting program’s look-back period extended from four to five years

E-Z Pass offers advisors a way to speed sales by providing quick and easy approvals for additional life insurance coverage on clients who have been fully underwritten and approved by MassMutual or an approved carrier within a certain time-frame. The company has extended that “look-back” period from four to five years, opening up more opportunity for brokers to offer this program to their clients.

“Advisors can use E-Z Pass as an alternative to converting term life insurance at another carrier, which may be especially useful for former MPCG advisors as some MetLife products are sunsetting,” said Pam Beals, vice president and chief life underwriter, Life Underwriting. “For eligible insureds, the program allows them to purchase coverage without additional medical tests or exams.”

While it is not a conversion or replacement program, E-Z Pass allows clients to increase their protection, up to a $3 million maximum, if they have been fully underwritten and approved by MassMutual or an approved carrier in the past five years.

E-Z Pass may be an attractive alternative for healthier clients who are considering converting their term policies at other carriers. Here are a few key details:

·         Existing policy must be fully underwritten.
·         Insured must be 60 or younger.
·         Waiver of premium, Life Insurance Supplement Rider (LISR) and Additional Life Insurance Rider (ALIR) are available (some limitations apply).
·         Minimum face amount of $100,000.

View the video message from John Vaccaro, head of MassMutual Financial Advisors, as he describes in more detail what makes the E-Z Pass Underwriting program “one of the strongest in the industry.”


·         E-Z Pass Underwriting Producer Guide.
·         E-Z Pass Flyer.
·         E-Z Pass Checklist.
·         Please contact Nicole Anderson our Illustration & Product Specialist at 845-495-5000 x 207 or via email at
·         Brokerage Sales New Business & Underwriting contact list (as of Nov. 2016)

MassMutual. We’ll help you get there.®                        

MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives.

For producer use only. Not for use with the public.