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State of Connecticut - Insurance Department

April 15, 2020
CONTACT: Jim Carson, 860-297-3958

HARTFORD, Conn. – Insurance Commissioner Andrew N. Mais announced today that front-line health care workers in Connecticut and Massachusetts may soon be eligible to receive up to $25,000 of life insurance at no cost. The Connecticut Insurance Department expedited approval of HealthBridge, a new Massachusetts Mutual Life Insurance Company (MassMutual) life insurance product that offers no-cost, guaranteed issue policies to front-line health care workers during the COVID-19 pandemic.

The new HealthBridge coverage allows healthcare workers on the front lines of the pandemic to directly enroll for a no-premium payment 3-year term life insurance policy with a $25,000 death benefit for issue ages 18-50. Workers with issue ages 51 to 60 will receive a no-cost $10,000 death benefit.

 Eligible individuals must be employed at a licensed hospital, urgent care center, or with an emergency medical services provider and have exposure to COVID-19 patients.

"Innovative products like HealthBridge provide much needed peace of mind and security for those working on the front lines of this pandemic who give so much of themselves for all of us," said Commissioner Andrew N. Mais. "When the company first reached out to us with this idea, we immediately started working to expedite approval so front-line healthcare workers can benefit from the support life insurance can offer."

“Healthcare workers are on the front line supporting our communities during this unprecedented public health crisis and the risks that they face are significant,” said Massachusetts Insurance Commissioner Gary D. Anderson. "Now more than ever, it is critical that regulators and insurers recognize the importance of flexible and innovative products that enable these essential personnel to do their jobs as efficiently as possible while knowing that their families are protected.  I appreciate Commissioner Mais and the Connecticut Insurance Department for their partnership and collaboration in our shared efforts to serve CT and MA policyholders.” 

All active employees of licensed hospitals, urgent care centers or emergency medical services in Massachusetts and Connecticut whose jobs may involve occupational exposure to the virus are eligible for the 3-year term life policies. In addition to doctors and nurses; lab technicians, custodial staff, maintenance crews, cafeteria workers, and security personnel will also be considered for coverage. More details and enrollment information is on the MassMutual HealthBridge web page. 
Consumers with questions about their insurance can contact the department, by:
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  • Download consumer FAQs on health, homeowner and auto coverage
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