UL GuardSM

FOR FINANCIAL PROFESSIONALS.
NOT FOR USE WITH THE PUBLIC.

UL Guard and SUL Guard are flexible premium adjustable life insurance policies issued by Massachusetts Mutual Life Insurance Company (MassMutual®) and C. M. Life Insurance Company (C.M. Life), a wholly-owned subsidiary of MassMutual.

Long-term guaranteed protection

UL Guard is a flexible premium universal life policy that offers guaranteed protection for clients who want to ensure a death benefit for loved ones.

This permanent life insurance provides the ability to guarantee coverage based on a duration and premium frequency that best fits their needs.

What is UL Guard?

UL Guard is a flexible premium universal life insurance policy designed for clients who want permanent lifetime insurance protection with a guaranteed death benefit.

The policyowner can select the duration of the no-lapse guarantee, the premium amount, and the length of time to pay the required premiums.

UL Guard is a permanent life solution, offering:

  • A no-lapse guaranteed death benefit
  • Competitive short-pay premium payments
  • A solution for tax-advantaged estate planning strategies
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We also offer a second-to-die version of this product called SUL Guard. See information and resources for SUL Guard below.

Who It's For

UL Guard is an ideal choice for clients seeking affordable, long-term protection that fits their life — today and into the future.

Clients who want to address goals including:

  • Protecting pre-retirement income for their loved ones
  • Providing funds to pay final expenses
  • Securing post-retirement life insurance for a surviving spouse
  • Estate or legacy planning for their children and grandchildren
  • Business continuation and succession planning
  • Supporting charitable causes close to their heart
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Target audience

Ages 45 – 75

No Lapse Guarantee

No-lapse guarantee for life

Offers clients guaranteed death benefit protection up to age 121.

  • Paying the required planned premium as scheduled will ensure that the coverage won’t terminate during the no-lapse guarantee period. Paying premiums late or less than planned, taking loans or withdrawals, or making certain other policy changes could negatively affect the no-lapse guarantee and ultimately cause the policy to terminate before the end of the guarantee period.
flexibility

Product flexibility

  • Policyowners can choose their no-lapse guarantee duration, select a premium frequency and amount that fits their budget, and pick the death benefit that matches their needs.
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Living benefits

Every client's life is a unique story, and UL Guard is designed to help match that uniqueness. That's why we offer an array of additional benefits to further meet their needs. The riders include:

Surrender Value Enhancement Rider

surender Value

Accelerated Death Benefit for Chronic Illness Rider

cronic illness

Accelerated Death Benefit for Terminal Illness Rider

terminal illness

Waiver of Specified Premium Rider

Disability

Please see the UL Guard Producer Guide (LI3002) for full product details and information about charges, fees, and availability.

Survivorship Product — SUL Guard

SUL Guard is a flexible premium, second-to-die universal life policy.

Survivorship life insurance is a cost-effective way to fund certain planning goals, as premiums are lower than for a comparable amount of life insurance protection purchased on an individual life basis.

For clients who want to address goals including:

  • Paying for final expenses
  • Estate or legacy planning for children and grandchildren
  • Business continuation and succession planning
  • Charitable giving
  • Supporting the care of a child with special needs
  • Paying for end-of-life health care needs
SUL Guard Consumer Guide A high-level overview of the features and benefits that SUL Guard offers.
SUL Guard Producer Guide Provides product specifications and details concerning the features and benefits that SUL Guard offers.
SUL Guard SnapshotA simple product description for a concise look at SUL Guard.

NOT A BANK OR CREDIT UNION DEPOSIT OR OBLIGATION  •  NOT FDIC OR NCUA INSURED  •  NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY  •  NOT GUARANTEED BY ANY BANK OR CREDIT UNION

FOR FINANCIAL PROFESSIONALS. NOT FOR USE WITH THE PUBLIC.

The decision to purchase life insurance should be based on long-term financial goals and the need for a death benefit. Life insurance is not an appropriate vehicle for short-term savings or short-term investment strategies. Surrender charges apply for the first 19 years of the policy and may substantially decrease the policy surrender value. While the policy allows for access to account value, you should know that there may be little to no account value available for loans and withdrawals in the early policy years. Taking withdrawals will decrease the no-lapse guarantee period. Borrowing from the policy may cause it to lapse.

The information provided is not written or intended as 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.

Any guarantees explicitly referenced herein are based on the claims-paying ability of the issuing insurance company.

The products and/or certain features may not be available in all states. State variations may apply.

UL Guard (Policy Forms: CMULG-FL-2024, CMULG-CA-2024, CMULG-SC-2024) and ICC24-CMULG in certain states, including North Carolina) is a non-participating flexible premium adjustable life insurance policy issued by C.M. Life, a wholly-owned subsidiary of MassMutual. C.M. Life is non-admitted in New York. UL Guard (Policy form: MMULG-NY-2024 in New York) is issued by MassMutual. Both C.M. Life and MassMutual are located in Springfield, MA 01111-0001.

SUL Guard (Policy Forms: CMSULG-FL-2024, CMSULG-CA-2024, CMSULG-SC-2024 and CMSULG-2024 and ICC24-CMSULG in certain states, including North Carolina) is a non-participating survivorship flexible premium adjustable life insurance policy issued by C.M. Life, a wholly-owned subsidiary of MassMutual. C.M. Life is non-admitted in New York. SUL Guard (Policy form: MMSULG-NY-2024 in New York) is issued by MassMutual. Both C.M. Life and MassMutual are located in Springfield, MA 01111-0001.

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© 2025 Massachusetts Mutual Life Insurance Company (MassMutual®), 1295 State Street, Springfield, MA 01111-0001.

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