Massachusetts Mutual Life Insurance Company is adding another market to its LifeBridge initiative.

MassMutual, Springfield, Mass., is introducing the program, which provides $50,000 in free life insurance for eligible parents and legal guardians, in the Columbia, S.C., area.

The program supplies 10-year, level-term life insurance coverage for working parents between the ages of 19 and 42. Children of participating parents or guardians who die can use the proceeds to pay for almost any kind of formal schooling, including pre-school, elementary school, high school, vocational school, college and graduate school, MassMutual says.

MassMutual started the program in late 2002 and since then has given away thousands of free life insurance policies.

To qualify for the free coverage, parents must be permanent, legal U.S. residents in good health.

The parents must be working and show annual family incomes of $10,000 to $40,000 on their latest tax returns.

Only 1 member of a family can apply for coverage.

Benefits will be paid to a trust administered by the MassMutual Trust Company F.S.B. on behalf of the children. The trust will make payments directly to the schools the children attend, MassMutual says.

Tripp Limehouse, a MassMutual agent based in Lexington, Ky., is donating time to bring the program to Columbia.

Call (803) 359-2569 for more information about the application process.