Lemonade vs MassMutual

Lemonade

MassMutual

Life insuranceLast verified Oct 1, 2026

Verified facts for Lemonade and MassMutual, side by side
Field	Lemonade	MassMutual
FoundedDiffers	2015Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30	1851Source: MassMutualverified 2026-10-01
HeadquartersDiffers	New York, New YorkSource: Lemonadeverified 2026-09-30	Springfield, MassachusettsSource: MassMutualverified 2026-10-01
Insurance productsDiffers	auto homeowners renters life pet Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30	life Source: MassMutualverified 2026-09-30
Underwritten byUnknown on one side	Legal & General Group (term life, via partnership)Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30	Not verified
States availableUnknown on one side	Licensed in 50 states and Washington, D.C.; operating in 41 of those states and Washington, D.C. as of December 31, 2025Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30	Not verified
States licensedUnknown on one side	Not verified	all states, the District of Columbia, and Puerto RicoSource: MassMutualverified 2026-10-01
States available, lifeUnknown on one side	Every state across the US except New YorkSource: Lemonadeverified 2026-09-30	Not verified
Coverage typesDiffers	personal property crime and vandalism coverage water damage coverage fire and smoke protection liability coverage medical expenses loss of use coverage Source: Lemonadeverified 2026-09-30	term permanent Source: MassMutualverified 2026-10-01
Waiting periodsUnknown on one side	2 days for accidents 14 days for illnesses 30 days for orthopedic conditions 6 months for cruciate ligament events Source: Lemonadeverified 2026-09-30	Not verified
Eligibility notesUnknown on one side	Not verified	Algorithmic Underwriting: ages 17-59, physical exam and labs required MassExpress Fluidless: ages 17-50, no physical exam or labs required Source: MassMutualverified 2026-10-01
How to get a quoteDiffers	online mobile app Source: Lemonadeverified 2026-09-30	through a financial professional Source: MassMutualverified 2026-10-01
How to file a claimDiffers	mobile app Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30	online mail email fax Source: MassMutualverified 2026-10-01
Customer service channelsDiffers	mobile app website Source: Lemonadeverified 2026-09-30	phone email online dashboard Source: MassMutualverified 2026-10-01
Mobile appsUnknown on one side	Not verified	MassMutual App (Apple App Store, Google Play) Source: MassMutualverified 2026-10-01
Notable limitationsDiffers	Pet policies do not cover pre-existing conditions, dental care, elective surgeries not related to an accident/illness, or anything resulting from the policyholder's neglect Renters and homeowners policies do not cover dog bites if the dog has a history of biting or is categorized as high-risk Source: Lemonadeverified 2026-09-30	Some product, product features, or underlying investment options may not be available in all states Products are generally not available for purchase outside the United States Source: MassMutualverified 2026-10-01
Financial strength ratingsUnknown on one side	Demotech, Inc. Financial Stability Rating of A Exceptional for Lemonade Insurance CompanySource: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30	Not verified

Both companies write life insurance. Of the fields we have verified for either company, 8 differ and 8 are unverified on at least one side. We do not pick a winner and we do not score either company.

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