What if I don't have a Social Security Number? May 23, 2018 17:48 Updated In order to apply for a MassMutual Convertible Term policy you must be a U.S citizen and have a Social Security number. Related articles What is temporary coverage? How do I convert my policy? What is a Waiver of Premium? Can I change or add beneficiaries at a later stage? Can I remove Flat Extras?