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Our Company

Experienced people, exceptional products and a realistic, needs-based approach to your financial strategy is our commitment to you. It's not about fitting you into a category or rushing you into a sale. Our Financial Professionals work closely with you to understand your unique situation and goals, and help you work through the obstacles that may stand in the way of building your financial future.

Annual & Corporate
Responsibility Report

     

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    Putting member and policyowner interests first
    As a mutual company, MassMutual does not have shareholders. Instead, its policyowners and members are often described as sharing in its ownership. This generally means that if you are 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
    At MassMutual, we seek to generate long-term stable investment performance to support MassMutual’s financial strength and ability to meet our financial commitment to policyowners. In constructing and maintaining our asset portfolio, we adhere to our disciplined investment approach, which is grounded in the tenets of diversification, prudent security selection and relative value. As a mutual company, we are able to take a long-term view when investing and focus less on short-term fluctuations in asset values.

    Investing in businesses that benefit our policyowners
    MassMutual's business structure is built to support our mutuality. Our strategic investments in retirement, asset management and international insurance businesses have the potential to provide us with diverse sources of growth and earnings that can help us grow capital and enhance our dividend-paying ability. In addition, they allow us to offer a broad spectrum of products and services to meet the financial needs of our clients through various life stages.

    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.

    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, Members FINRA (www.finra.org) and SiPC (www.sipc.org). MML Strategic Distributors, LLC. and MML Investors Services are subsidiaries of Massachusetts Mutual Life Insurance Company, 1295 State Street, Springfield, MA 01111-0001.


    CRN201510-153104
     


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