The process to convert a MassMutual convertible term policy from term to whole life can begin within 1 day of issuance.
The conversion time window parameters for Coverpath term policies are the same as MM’s Vantage Term products. You can convert Coverpath term life policies into whole life policies using either the Coverpath system or EZ-App. For help determining which system to use, follow the chart below.
Note: MassMutual term policies that were applied through EZ-App must be converted through EZ-App.
|System Used for Term Application||Type of Conversion||System Used for Conversion|
|Coverpath||Conversion from a joint app (term + WL)||EZ-App|
|Coverpath||Conversion into existing MM WL policy||EZ-App|
|Coverpath||Full conversions to a WL product/adding riders that are not currently available on Coverpath*||EZ-App|
|Coverpath||Full conversions to a new WL product that is available on Coverpath*||Coverpath|
* Click here for Whole Life products and riders currently available on Coverpath
EZ-App Conversion Process
Note: See above to determine when to use this process. Below are the steps to follow if an EZ-App conversion is needed:
- Contact the MassMutual Conversion Team to initiate the Conversion request (include the policy number and note that it's a MassMutual Coverpath Term policy):
- By phone (800) 767-1000, x21100
- By email firstname.lastname@example.org
- The conversion quote
- Conversion date options (e.g. monthiversary oftentimes lends to clean, straightforward accounting)
Coverpath Conversion Process
IMPORTANT: Current restrictions (will be lifted in the future):
- Only full face conversions are supported (no partial)
- Conversion from term portion of joint app not supported yet
- Must convert into a new policy only, not a pre-existing one
- Go to the Client Case Center and click into the term policy from the Issued tab.
- Click "Convert to Whole Life"
- Fill in the details of the conversion and click submit.
- Your account center will display statuses for Conversion in Progress and Converted to Whole Life
We are available throughout in any case to help facilitate the process if necessary. Contact us at email@example.com or 866-957-5347.