The $50,000 Free Lunch

You’ve often heard the old adage, "There’s no free lunch". Well, guess what– I found one. Mass Mutual Financial Group is offering a free $50,000 10-year term life policy to qualifying individuals. Founded more than 150 years ago, Mass Mutual has developed into one of the nation’s top life insurance companies. Today, it is a Fortune 100 multi-faceted financial organization with 1800 offices and 27,000 employees worldwide. This particular program is called LifeBridge Free Life Insurance Program. Here’s how it works:

  • Qualifying individuals complete an abbreviated application and free medical exam. All medical information will be kept absolutely confidential.
  • Once approved, Mass Mutual issues a $50,000 term life policy held by a trust for 10 years. Mass Mutual will pay all of your premiums for the 10-year period.
  • If you die during the 10-year period, Mass Mutual will pay the education expenses for your children up to $50,000. Qualifying expenses are paid directly to the school or institution.
  • Qualifying education expenses are very broad and include such things as tuition, fees, books, student loans, campus room and board as well as other expenses.
  • Your children can use the funds for up to 10-years following your death or until they reach age 35, whichever is later. Any unused proceeds will be donated to an educational scholarship program previously chosen by you (the insured).
  • Pre-school, private school, vocational and trade school and colleges and universities all qualify under this program.

To be eligible, you must meet several criteria:

  1. You must be between ages of 19 and 42.
  2. You must be the parent or legal guardian of one of more dependents under age 18.
  3. You must be employed full or part-time with total family income between $10,000 and $40,000 annually. You will verify this by providing a copy of your pay stub and last year’s tax return.
  4. You must be a legal and permanent resident of the United States.
  5. You must be in good health.

Only one family member can apply for the LifeBridge Program. You will not qualify if you have been diagnosed with cancer, heart disease or HIV; currently or during the past 10-years have abused drugs or alcohol. You will also be disqualified if you have been convicted of driving while intoxicated within the past five years.

If you think you might qualify, you need to complete an eligibility form and mail it to Mass Mutual. Mass Mutual will then send you contact information for one of their agents who will assist with completing your application and medical exam or you will receive a letter stating why you don’t qualify for the program. To receive your eligibility form or more information about this unique program, call 1 800 272-2216 or go to

"What’s the catch?" you ask. Well, there isn’t one. Mass mutual developed this program as part of its corporate citizenship outreach program. They want to help young parents insure the dream of an education for their children and I applaud Mass Mutual for their efforts. It’s not often that you are offered a free lunch! By the way, if you are not eligible, I bet you know someone who is. Show your genius by sending them a copy of this article.