MassMutual today announced the launch of its Living Well Rider, a value-added benefit automatically included on eligible new whole life insurance policies that gives policyowners access to a suite of wellness tools designed to support long-term physical and mental well-being.

The Living Well Rider provides eligible policyowners with access to the following at no additional cost:

– The Galleri® multi-cancer early detection test by GRAIL
– Genetic risk assessment for common diseases through Genomics
– Everyday mental health support through Wysa Assure

These wellness benefits address leading causes of insured-life claims, such as cancer and cardiovascular disease.1

“The Living Well Rider reflects MassMutual’s continued investment in integrating wellness into our core product offerings, helping policyowners take a more proactive approach to their health,” said Liz Forget, Head of Product at MassMutual. “By embedding these wellness benefits into a whole life insurance policy, we are delivering value that extends beyond traditional protection, helping policyowners focus on their longevity and quality of life.”

How Early Detection Changed One Policyowner’s Life

In June 2024, MassMutual policyowner Darla was offered the Galleri® multi-cancer early detection test, developed by GRAIL, as part of MassMutual’s Wellness program. The test identified a cancer signal before symptoms appeared—prompting swift medical follow-up and a path toward recovery. The experience empowered Darla to take control of her health and focus on what matters most.

Darla said, “If it weren’t for the Galleri test offered through MassMutual, I might not be here telling this story today. That early detection made all the difference.”

A Growing Demand for Integrated Health and Financial Protection

The launch of the Living Well Rider builds on insights from MassMutual’s 2025 Health & Wealth Report, which found that Americans increasingly recognize the connection between health and financial wellness – yet many face barriers to prioritizing both. The survey revealed that most Americans believe focusing on their health supports better financial decision‑making, but financial pressures often force difficult tradeoffs.

At the same time, interest in integrated wellness offerings is growing. According to the survey, nearly two-thirds of consumers say health and wellness benefits would influence their choice of financial services provider, and more than eight in 10 say they would be likely to choose a product that includes these benefits at no additional cost.

“This benefit is being introduced as part of MassMutual’s Wellness program, which helps people look beyond their financial health and support their total well-being,” Sears Merritt, Head of Enterprise Technology and Experience added. “By expanding access to these wellness offerings, we’re reinforcing our commitment to innovation, holistic protection, and long-term value – supporting policyowners in living healthier, happier, and longer lives.”

Participation in these wellness benefits is voluntary. Results do not impact policyowners’ current policies or premiums. Additionally, MassMutual only receives high-level, anonymized data from these offerings. Eligibility is based on factors including age, geography, and type of individual MassMutual policy.