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MassMutual vs New York Life

Fact Checked by Jason Herring & Barry Brooksby
Licensed Agents & Life Insurance Experts.
Insurance and Estates, a strategic life insurance provider composed of life insurance professionals, is committed to integrity in our editorial standards and transparency in how we receive compensation from our insurance partners.
New York Life vs MassMutual

Both New York Life and MassMutual are top whole life insurance companies.

Further, both are mutual insurance companies, that offer participating life insurance.

The reality is, neither company has any weaknesses to speak of, so choosing cash value whole life from one or the other is a great idea.

Take a look at our comparison chart below for more on each company’s financial ratings and you will see both are among the highest rated companies in the U.S.

Comparing ⟶ MassMutual New York Life

Year Founded



Company Structure




$ $ $ $ $ $

Types of Policies:

Term Life

Whole Life

Universal Life

Final Expense

via AARP


A.M. Best Rating



S&P Rating



Moody's Rating



Fitch Rating



Comdex Rating



BBB Rating

Not Accredited

Not Accredited

NAIC complaint Index



IBUSA's Overall Score

Company Review

Mass Mutual’s review

New York Life’s review

However, if you want to get into the minutia, there are some small differences between the two companies you should be aware of.

Probably the most important point that differentiates MassMutual from New York Life is with whole life product design.

Each company has fantastic whole life policies, but if you focus is on high early cash value and cash value growth, MassMutual has historically outperformed New York Life.

That is why it is important to know who are the best dividend paying life insurance companies.

But it is also imperative that your policy is designed correctly.

So, the main takeaway here is that both companies are outstanding, and you can’t go wrong with either.

But if your goal is to squeeze out the most value possible, then MassMutual is probably going to be the better option for cash value accumulation and growth.

Now, does that mean you should choose MassMutual?

Maybe, but we won’t know for sure until we speak with you and discuss your goals. It might be that MassMutual is the best choice for you, but it may also be that another mutual company offers even better value.

So, what are you waiting for? Give us a call today to experience the I&E difference.

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