Home › Insurance › Term life insurers › New York Life vs MassMutual
Here's how New York Life and MassMutual term life compare on facts from their own pages. We don't provide quotes.
| New York Life | MassMutual | |
|---|---|---|
| Term options | Level Term: 10, 15 or 20 years | 10, 15, 20, 25 or 30 years, plus annually renewable term |
| Longest term | 20 years (Level Term) | 30 years |
| Issue ages | Not found on the insurer's page | Not found on the insurer's page |
| How to apply | Through New York Life agents | Through a financial professional (no direct online application on its page) |
| Convert to permanent? | Yes, to permanent coverage; the conversion window depends on the policy (New York Life term conversion page) | Yes, most policies, without medical questions or exams, generally through age 65 |
| Complaints (California 2025, life) | 0.7 per 100,000 policies (4 justified complaints; New York Life Insurance Company) | 1.3 per 100,000 policies (2 justified complaints; Massachusetts Mutual Life Insurance Company) |
| Quotes | We don't sell insurance or give quotes | We don't sell insurance or give quotes |
Sources: New York Life term life page (checked 2026-10-12) · MassMutual term life page (checked 2026-10-12)
More on New York Life · More on MassMutual · All term life insurers
Term options: New York Life Level Term: 10, 15 or 20 years, MassMutual 10, 15, 20, 25 or 30 years, plus annually renewable term; Longest term: New York Life 20 years (Level Term), MassMutual 30 years; Issue ages: New York Life Not found on the insurer's page, MassMutual Not found on the insurer's page; How to apply: New York Life Through New York Life agents, MassMutual Through a financial professional (no direct online application on its page); Convert to permanent?: New York Life Yes, to permanent coverage; the conversion window depends on the policy (New York Life term conversion page), MassMutual Yes, most policies, without medical questions or exams, generally through age 65; Complaints (California 2025, life): New York Life 0.7 per 100,000 policies (4 justified complaints; New York Life Insurance Company), MassMutual 1.3 per 100,000 policies (2 justified complaints; Massachusetts Mutual Life Insurance Company); Quotes: New York Life We don't sell insurance or give quotes, MassMutual 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.