Massachusetts Mutual Life Insurance Company has released the Whole Life Legacy 100 whole life insurance policy.

Basic policy provisions give holders the ability to increase or decrease coverage if needs change, according to MassMutual, Springfield, Mass.

Customers also can buy a rider that will permit them to buy additional life insurance coverage each year without providing evidence of good health, and they can buy a renewable term rider that will permit them to convert part or all of the term coverage during the conversion period to permanent insurance without proof of good health at the time of conversion, MassMutual says.