The Mutuality Advantage
As a mutual company, MassMutual does not have shareholders. Instead its policy owners and members are often described as sharing in its ownership. This generally means if you are an insured under a MassMutual whole life insurance policy, for example, you are a member entitled to vote for the Company’s board of directors. And, if you also own the policy, you may be eligible to share in any dividends the Company may declare.
A prudent investment philosophy
Being mutual means our investment philosophy starts with an eye on the future. We do the hard work and make the tough decisions to position ourselves against short-term market pressures. And, because we’re not publicly traded, we face no pressure to enhance stock prices.
Responsible growth
Being mutual also means we take a disciplined approach to growth – seeking out businesses that complement our strengths, provide attractive risk/return profiles and enhance our diversified product offerings. At MassMutual, we do not issue stock to raise capital. Rather, we use the capital generated from our mutual structure for growth, and believe this form of ownership best enables us to serve the long-term interests of our policy owners.
Financial strength ratings
MassMutual has consistently earned some of the highest financial strength ratings of any company in any industry. If you’d like to learn more about how to put our long-term strategy to work for you, talk with a MassMutual Financial Professional today.
