Prepared for Viviana Ishmael · Presented by Patrick Ishmael · Adjust any assumption below — every chart and table updates instantly.
1,000 simulated market paths. Shaded bands show the 10th–90th percentile range; the solid line is the median (50th percentile).
Insurance cash value plus Trump Account balance, by strategy
Insurance-side cash value alone — excludes any Trump Account balance
The Trump Account has no death benefit component
Reflects the primary Trump Account growth rate
This tool is hypothetical and for internal planning discussion only. Insurance cash-value and death-benefit figures are scaled linearly from MassMutual's 9/9/2026 non-guaranteed, current-dividend-schedule illustrations at $25,000 face (Guard 10 Pay and Whole Life 10 Pay). Actual per-unit pricing at other face amounts may differ modestly from a straight linear scale — request a native MMD illustration before using any of these figures with a client. Dividends are not guaranteed and may be lower or higher in the future. Trump Account growth rates are illustrative only, not guaranteed, and not offered or endorsed by MassMutual, the U.S. Treasury, or any index fund provider; contributions are shown gross of the ordinary-income tax due on withdrawal. Guard 10 Pay does not accept applications until 9/19/2026; Trump Accounts began accepting contributions 7/4/2026. Not tax or legal advice. Monte Carlo bands are generated from 1,000 simulated annual-return paths using a lognormal distribution parameterized by the expected return and volatility set above — a simplifying assumption, not a bootstrap of actual historical returns, and not a prediction. Percentile bands describe a modeled range of outcomes, not a guarantee of any kind.