# MassMutual vs SamCERA

The clearest difference is monetization model: SamCERA at free against MassMutual's free with in-app purchases. SamCERA also leads on rating (5.0 vs 4.8). MassMutual's advantage is ratings volume (6K vs 4). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

SamCERA holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: MassMutual has 6K ratings behind it against 4, so its average is the more settled of the two.

MassMutual ships an update monthly, SamCERA every 3 weeks. The most recent releases landed on October 15, 2026 and October 4, 2026 respectively.

## The numbers

| Metric | MassMutual | SamCERA |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (6K ratings)](https://appshunter.io/ios/app/massmutual/id1516539101/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/samcera/id1539081449/reviews)** |
| Number of ratings | **6K** | 4 |
| Positive reviews | 20.3% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 134 MB | 37 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [MassMutual](https://appshunter.io/developer/360805499) | [Planeteria](https://appshunter.io/developer/1230983217) |

## What reviewers say

### MassMutual

[App page](https://appshunter.io/ios/app/massmutual/id1516539101)

Manage your life insurance and retirement accounts conveniently from your mobile device. Handle payments, review balances, access policy information, and update beneficiaries all in one place.

**Highlights:** Manage life insurance and retirement accounts, Handle payments and premiums, Review account balances and policy info, View and manage beneficiaries, Request policy loans, Access paperless documentation, Set up recurring payments

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 💰 Reliable payment process
- 🌟 Great user experience

**What reviewers complain about**

- 🐛 Login issues
- 🚫 Lack of features
- 📱 Compatibility problems
- 🔒 Security concerns

**Reported bugs**

- Greyed-out save button for bank info
- Repeated input required to save bank account
- App freezes or crashes
- Account information not available

**Requested features**

- Add support for landscape mode on iPad
- Improve facial recognition
- Restore web access
- Allow adding multiple family members


### SamCERA

[App page](https://appshunter.io/ios/app/samcera/id1539081449)

Manage your retirement accounts with 24/7 access to your SamCERA information. Plan, manage, and live better in retirement with tools for estimates, beneficiary management, and secure document uploads.

**Highlights:** 24/7 account access, Estimate tools, Beneficiary management, Tax information, Secure messaging, Document uploads

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is MassMutual free?

MassMutual is free to download, with no in-app purchases.

### Is SamCERA free?

SamCERA is free to download, with no in-app purchases.

### Which has better reviews, MassMutual or SamCERA?

SamCERA is rated higher. MassMutual averages 4.8 out of 5 from 6K ratings, while SamCERA averages 5.0 from 4 ratings.

### Do MassMutual or SamCERA have ads?

Neither MassMutual nor SamCERA shows ads.

### Which is updated more often, MassMutual or SamCERA?

MassMutual ships an update monthly, and SamCERA every 3 weeks. Most recently, MassMutual was updated on October 15, 2026 and SamCERA on October 4, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*