New Carriers Added to MassMutual’s Platinum Pass Express Underwriting Program

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MassMutual Strategic Distributors Life Underwriting is pleased to announce three new carriers have been added to our Platinum Pass Program, joining other carriers (including MassMutual) whose policies may be used to obtain new MassMutual whole life coverage using prior exam and labs from coverage obtained in the past 5 years:

  • Lincoln
  • Securian
  • Thrivent

To qualify, insureds must have been fully underwritten by an approved carrier and issued at an eligible rate class in the past 5 years. Review the key details and resources below as additional criteria and limitations apply.

Approved carriers and risk classes (Platinum Pass Perm only)

1 Carriers may be added or removed at MassMutual’s discretion at any time. If a carrier (or subsidiary carrier) is not listed, it may not be used in the program. 

Key details:

  • Due to differences in carriers’ underwriting guidelines, Select Preferred will be the best rate class available when using Thrivent or Lincoln coverage. Standard will be the best rate class when using Securian.
  • Platinum Pass is not a guaranteed-issue program. Some underwriting is required and full age/amount requirements may be requested at underwriter discretion.
  • New term coverage through Platinum Pass is available only for MassMutual insureds fully underwritten in the past three years. Additional criteria apply. 
  • Platinum Pass is not accelerated (fluidless) underwriting as it uses the full underwriting of a prior policy to obtain new coverage without a new exam or labs.
  • Use the Platinum Pass cover letter (LI7208) at submission. 

Further info: 

  • Call MMSD New Business & Underwriting at 1-800-601-9983, Option 4.
  • Review the Platinum Pass Producer Guide (LI7210) and Platinum Pass submission eligibility check list (LI7193).
  • Visit our MMSD Underwriting Digital Hub.