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Corporate Responsibility

Confidence, strength, stability and long-term prosperity are among the attributes that have helped to define our business for generations. These are also attributes to which every community should aspire. That's why MassMutual is committed to being a responsible and contributing member to the places we live and work — from our headquarters in Springfield, MA, to our other home offices in Enfield, CT, Phoenix, AZ, Boston, MA, and Memphis, TN, to the hometowns of our financial professionals across the country.

Annual & Corporate
Responsibility Report


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    We have the desire and means to help people with diverse backgrounds and experiences cope with their unique health needs.

    Special Needs

    Special Care
    The SpecialCareSM program, developed exclusively by MassMutual, is an innovative outreach initiative that provides access to information, specialists, and financial products and services that can help improve the quality of life for people with disabilities and other special needs and their families and caregivers. Learn more about SpecialCare.

    Special Events
    MassMutual sponsors two major events throughout the year: Disability Awareness Nights (DAN) and Easter Seals Walk With Me. DAN pays tribute to the 51.2 million Americans with disabilities1, their families and caregivers. The Easter Seals Walk With Me fundraiser brings participants together who walk to make a difference in the lives of those with a disability.


    For years, MassMutual has had an unwavering commitment to breast cancer awareness and education. In fact, since 2005, the company has contributed more than $500,000 to cancer-related organizations across the country. And, thanks to the continuous evaluation of underwriting guidelines, MassMutual has been able to provide life insurance protection to eligible breast cancer survivors, and their families, for more than 45 years.

    Diversity and Inclusion

    Working to Achieve Equality
    For the fourth consecutive year, MassMutual received the highest rating of 100 percent in the annual 2011 Corporate Equality Index survey conducted by the Human Rights Campaign (HRC), which recognizes efforts to establish and encourage workplace equality for lesbian, gay, bisexual and transgender (LGBT) employees. Index ratings are based on factors like nondiscrimination policies, diversity training, and benefits for domestic partners and transgender employees.

    Equality and Our LGBT Policyholders
    MassMutual complies with various state laws which entitle parties to a civil union or same sex marriage the same insurance and health contract rights and benefits as married spouses.

    State Specific Information:
    - Delaware affords parties in a civil union the same rights, protections, and benefits under the laws of the state as are granted to married spouses; and recognizes substantially similar civil unions from other states.
    - Illinois grants parties in a civil union the same legal obligations, protections and benefits as spouses in the state; and recognizes a marriage between persons of the same sex or a civil union of other jurisdictions.

    Supporting Professionals
    MassMutual is supporting our agents by connecting them with female thought leaders throughout the country through our affiliation with local organizations such as Women on Course® and the American Woman’s Society of Certified Public Accountants. In the home office, MassMutual has employee resource groups (ERGs) that support the enterprise-wide diversity and inclusion strategy. Currently, MassMutual has six ERGs made up of more than 1,300 employees and representing African-American; Hispanic-American; Asian-American; Lesbian, Gay, Bisexual and Transgender; Young Professionals; and a Multicultural ERG in our Memphis location. Each ERG focuses on six strategic areas: recruitment, retention/development, community outreach, awareness and education, brand recognition/marketing, and networking.

    Diversity Fellowship
    In collaboration with Goodwin Procter LLP, a leading national law firm, MassMutual created a Diversity Fellowship to promote diversity in the legal profession. The fellowship is funded by MassMutual and presented to a minority law student who demonstrates exceptional academic performance, outstanding leadership, involvement in minority student organizations, a commitment to community service, and other special achievements and honors.

    MassMutual is building strategic partnerships with organizations that can support our diversity goals, including the National Association of Hispanic and Black MBAs, the Association of Latino Professionals in Finance and Accounting, the National Association of Asian-American Professionals, and the Massachusetts Gay and Lesbian Bar Association. In addition, we actively recruit in diverse communities to bring in more agents, general agents and sales managers.

    Multicultural Markets
    Diversity and inclusion efforts also include work to ensure policyholders and customers are given a voice and receive the specific support they need. MassMutual actively markets to multicultural communities and has conducted agent and consumer research to better understand the markets and opportunities that exist within them. We use this information to create relevant, meaningful resources for our clients and producers that focus on the markets in which we’re active: African-American, Asian-Indian, Chinese, Hispanic, and Korean consumers.

    1 “Americans with Disabilities: 2002,” US Census Bureau, May 2006

    Insurance products issued by Massachusetts Mutual Life Insurance Company (MassMutual), 1295 State Street, Springfield, MA 01111-0001 and its subsidiaries C.M. Life Insurance Company and MML Bay State Life Insurance Company, 100 Bright Meadow Boulevard, Enfield, CT 06082.

    Principal Underwriters: MML Strategic Distributors, LLC and MML Investors Services, LLC, Members FINRA ( and SiPC ( MML Strategic Distributors, LLC and MML Investors Services, LLC are subsidiaries of Massachusetts Mutual Life Insurance Company, 1295 State Street, Springfield, MA 01111-0001.



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    © 2014 Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001. All rights reserved.