MassMutual delivers strong long-term reliability, excellent billing performance, and high renewal confidence, earning its place as one of the top life insurers for 2026.
Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant.
Scott Nyerges is an insurance expert and managing editor, insurance. Previously, he was a senior insurance editor and content strategist at U.S. News & World Report, and worked for Consumer Reports, MSN and Cheapism.com.
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MassMutual ranks No. 6 in our 2026 list with a strong overall score of 4.50 out of 5. It performs especially well in billing, long-term policy performance, and customer loyalty — areas that matter most once you own a policy. Policyholders renew at very high rates and report strong trust in the company, indicating that the insurer meets expectations year after year.
MassMutual’s biggest strengths are its billing experience, dependable term and whole-life products, and strong reputation with older adults who value stability and long-term planning. While its customer-service satisfaction score lags the very top performers, it still ranks high where long-term reliability and everyday policy management matter most.
MassMutual’s servicing experience is strongest in billing (89%) and ease of service (77%), which suggests a relatively smooth experience when you’re managing your policy, updating beneficiaries, changing premiums, or making routine adjustments. The company’s policy-offering score sits below the very top performers, meaning it provides strong options but not the broadest lineup in the field.
Customer satisfaction at 65% is lower than many higher-ranked competitors, but when combined with excellent billing and strong long-term retention, it’s clear that MassMutual performs well where long-term support matters most.
Here’s how MassMutual compares to its competitors:
MassMutual shines in these loyalty-driven categories. With 83% recommending, 88% trusting, and 96% planning to renew, buyers stay with MassMutual because the experience remains steady and dependable over time.
These scores point to long-term confidence from customers. When so many people plan to renew, it shows MassMutual is taking good care of policyholders well after the initial purchase. The strong trust ratings reinforce that feeling — customers believe the company is financially solid and will be there to pay claims when they need it most.
MassMutual performs very strongly with middle-aged and older adults, who tend to value stability, whole life performance, and strong long-term planning options. Satisfaction is lower among younger buyers, which may reflect that MassMutual’s traditional setup resonates more with families and long-term planners.
MassMutual has an average annual premium of $350, which is about 8% lower than the national average of $382. For policyholders, that difference adds up — especially over a 20- or 30-year term. Paying less than the industry average means you’re getting solid financial strength, strong long-term loyalty scores, and dependable coverage without paying top-tier prices for it.
MassMutual sits in a sweet spot: not the cheapest insurer on the market, but one of the most affordable among the major, highly rated companies. For shoppers seeking a well-established brand with strong financial stability, below-average rates are significant. It gives you big-company security at a more budget-friendly price.
Here’s how MassMutual compares with a few similar competitors:
MassMutual offers a wide range of products designed for both protection and long-term financial planning:
These riders help buyers tailor coverage to their stage of life and future needs.
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Methodology
In 2025, Insure.com surveyed more than 2,000 insurance consumers through independent research firm Dynata. Customers named their life insurer and rated it on customer satisfaction, ease of service, policy offerings, billing, and their experience across different applicant types (seniors, middle-aged adults, young adults, people with pre-existing conditions, people who are overweight, and people who prefer no-exam coverage). We also asked whether they planned to keep their policy, would recommend their insurer, and trusted their insurer.
For insurers with enough survey responses, we added:
With guidance from Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, we applied the following weights to determine each company’s final score:
Each insurer received a rating between 0.5 and 5 stars, with 5 stars representing the highest performance.