Massachusetts Mutual Life Insurance Company is expanding promotional efforts for its LifeBridge initiative in New Jersey.

MassMutual, Springfield, Mass., is holding a second round of educational meetings for the program, which provides $50,000 in free life insurance for eligible parents and legal guardians, in the Lakewood, N.J., area.

MassMutual first introduced the program in Lakewood in September 2006.

The program supplies 10-year, level-term life insurance coverage for working parents between the ages of 19 and 42. Children of participating parents 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 one 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.

Shimshon Lowy of Emerald Financial Resources, Bridgewater, N.J., is donating time to bring the program to Lakewood.