Home › Insurance › Term life insurers › MassMutual vs Nationwide
Here's how MassMutual and Nationwide term life compare on facts from their own pages. We don't provide quotes.
| MassMutual | Nationwide | |
|---|---|---|
| Term options | 10, 15, 20, 25 or 30 years, plus annually renewable term | 10 or 20 years with no medical exam up to $1.5 million; Guaranteed Level Term up to 30 years |
| Longest term | 30 years | 30 years |
| Issue ages | Not found on the insurer's page | Not found on the insurer's page |
| How to apply | Through a financial professional (no direct online application on its page) | Yes, completely online for 10- or 20-year coverage up to $1.5 million |
| Convert to permanent? | Yes, most policies, without medical questions or exams, generally through age 65 | Yes (Guaranteed Level Term can be renewed or converted to a permanent policy) |
| Complaints (California 2025, life) | 1.3 per 100,000 policies (2 justified complaints; Massachusetts Mutual Life Insurance Company) | Not shown: Nationwide's term policies may be issued by a different Nationwide company than the one in California's list |
| Quotes | We don't sell insurance or give quotes | We don't sell insurance or give quotes |
Sources: MassMutual term life page (checked 2026-10-12) · Nationwide term life page (checked 2026-10-12)
More on MassMutual · More on Nationwide · All term life insurers
Term options: MassMutual 10, 15, 20, 25 or 30 years, plus annually renewable term, Nationwide 10 or 20 years with no medical exam up to $1.5 million; Guaranteed Level Term up to 30 years; Longest term: MassMutual 30 years, Nationwide 30 years; Issue ages: MassMutual Not found on the insurer's page, Nationwide Not found on the insurer's page; How to apply: MassMutual Through a financial professional (no direct online application on its page), Nationwide Yes, completely online for 10- or 20-year coverage up to $1.5 million; Convert to permanent?: MassMutual Yes, most policies, without medical questions or exams, generally through age 65, Nationwide Yes (Guaranteed Level Term can be renewed or converted to a permanent policy); Complaints (California 2025, life): MassMutual 1.3 per 100,000 policies (2 justified complaints; Massachusetts Mutual Life Insurance Company), Nationwide Not shown: Nationwide's term policies may be issued by a different Nationwide company than the one in California's list; Quotes: MassMutual We don't sell insurance or give quotes, Nationwide We don't sell insurance or give quotes.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.