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Coverpath

A Convenient, Digital Experience for You and Your Clients

Coverpath is MassMutual’s online life insurance platform that provides you and your clients with an end-to-end digital experience.

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    What’s New?

    Stay up-to-date on the newest Coverpath features, enhancements, and client outreach tools.

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    What’s Ahead

    Get a sneak peek of what the Coverpath team is planning to build in the future and provide feedback on features that are in development

    • Research

      Ideas we’re actively exploring

      • New Feature
        Locking Fields in Applications

        Coverpath will be working to give financial professionals more control over the application process by locking certain fields, such as face amount, ownership, and riders. This will prevent clients from inadvertently making material changes to their application and financial plan.

      • New Enhancement
        Email Configurability

        We are working on adding the ability for advisors to select which Coverpath emails they want to receive.

      • New Enhancement
        Locking Fields in Applications

        Coverpath will be working to give financial professionals more control over the application process by locking certain fields, such as face amount, ownership, and riders. This will prevent clients from inadvertently making material changes to their application and financial plan.

      • New Feature
        Post-issue Servicing

        Give financial professionals the ability to service their clients after a policy has been issued by initiating requests on behalf of the client

    • Design

      Ideas that made it to the design phase

      • Enhancement
        Insured Enter Own Medical Information

        Our design team is working on an new experience to allow the insured to answer questions without relying on the owner or financial professionals to enter information. This will particularly help for business case.

    • Development

      Products and features we’re actively developing, they’ll be live soon!

      • New Rider
        Chronic Illness Rider

        A new rider that allows clients to access their whole life policy's death benefit while living. Money is paid out on an indemnity basis if the insured can't do two of six activities of daily living. All financial professionals, not just those that can sell long-term care, will be eligible to add this rider.

      • New Area Focus
        Post Issue Migration

        With policies beginning to migrate to the Coverpath platform and the growing number of native Coverpath policies, there is increased focus on making improvements to the post issue process. Provide your feedback to help further enhance the post issue experience.

      • New Feature
        Advisor Submitted Applications

        Coverpath will soon let the advisors fill out and submit the application on the client’s behalf. Client account creation will be deferred until the time of policy acceptance.

      • New Feature
        Concept Illustrations

        Coverpath will be working on tools to help financial professionals illustrate how Whole Life insurance fits into their clients' holistic financial plans by visualizing how products can be used in real-life scenarios, such as retirement. The illustrations tools now in development include proxy user access, deleting illustrations and pre-filling the Quotes page.

      • New Feature
        TLIC Optionality

        Allow advisors to remove TLIC as an option before an application is submitted.

      • New Product
        Annuities

        Coverpath will soon have its first annuities product available on the platform. The team has started the work to implement RetireEase Choice on the platform, and aim to make it available to financial professionals by the end of the year. Currently in development is the ability to use funds transferred from a 1035 exchange to pay premiums.

      • New Feature
        Producer Groups

        Give proxies the ability to create custom groups of advisors so they can focus on their cases, share them with others, and automatically follow cases for groups of advisors rather than having to manually follow them.

      • New Feature
        Underwriting Notifications:

        Receive email notifications about important events during underwriting

      • New Feature
        Cash Value

        Show cash value and loan information for Whole Life policies to the advisor and client in their account centers

      • New feature
        Payment tollgate

        Allow policy owners to make one time payments via the web by entering their bank information on our site without automatically drawing the money from their bank account.

      • New Enhancement
        Tele Interview

        Coverpath will soon incorporate telephone interviews to allow the insured to answer personal history and medical questions over a recorded line. This functionality will allow Coverpath to increase max face amounts to $5M and max age amounts to 70, while also making the application more accessible to users who might have limitations such as non-English speaking.

    What Others are Saying

    Financial professionals like you are using Coverpath to create leverage in their practices, reduce friction in the sales process, and delight their clients. Here’s what they’re saying:

    Product Feedback

    Let us know what you think about Coverpath