Who matters most to you, says the most about you.SM
Our customers matter most to us.
At MassMutual, we are owned by our policyholders. Our philosophy is built to serve them. Not stockholders or Wall Street. And, for more than 160 years, we have been providing strength and stability to generations of families and businesses.
We're a mutual company, owned by and run for the benefit of our members and participating policyholders. So we answer to our customers' needs — not to stockholders or Wall Street. Our mutuality means several things:
We have a prudent investment philosophy: Our investment philosophy is built to serve our policyholders. It's grounded in diversification, prudent security selection and value.
We have a disciplined approach to growth: We seek out businesses that complement our strengths, provide attractive risk/return profiles and enhance our diversified product offerings.
Founded in 1851, we've always taken a long-term approach to investing. That strategy has earned us some of the highest financial strength ratings1 of any company in any industry:
A.M. Best Company: A++ (Superior; top category of 15)
Fitch Ratings: AA+ (Very Strong; second category of 21)
Moody's Investors Service: Aa2 (Excellent; third category of 21)
Standard & Poor's: AA+ (Very Strong, second category of 21)
1 Ratings apply to Massachusetts Mutual Life Insurance Company and its subsidiaries, C.M. Life Insurance Company
and MML Bay State Life Insurance Company. Ratings are as of 11/1/2011 and are subject to change.
Whole life insurance from MassMutual accommodates your life in an ever-changing world.
Whole life has several benefits:
It's guaranteed: The coverage will never expire and premiums will never increase as long as your policy is kept in force.
It's flexible: Cash value accumulates over time from which you can borrow for any needs.*
It's stable: The cash value of your policy doesn’t fluctuate with market conditions.
* Access to cash values through borrowing or partial surrenders will reduce the policy's cash value and death benefit, increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured.
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 Distributors, LLC (MMLD) and MML Investors Services, Members FINRA (www.finra.org) and SiPC (www.sipc.org). MMLD and MML Investors Services are subsidiaries of Massachusetts Mutual Life Insurance Company, 1295 State Street, Springfield, MA 01111-0001.
