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MassMutual
protecting employee retirement
Many things can happen between now and the time your employees are ready to retire. Of all the benefits you offer your employees, one of the most critical is helping them protect their retirement.

MassMutual offers products and services to help protect your employees today, and their retirement dreams for tomorrow.

disability income insurance for retirement contribution protection
When it comes to retirement savings benefits, if your company is like many, you probably spend a considerable amount of time and effort educating employees on the importance of retirement savings. However, if someone becomes totally disabled before reaching retirement age, he or she may not only lose his or her ability to earn an income, but may also lose the opportunity to accumulate additional funds for retirement since contributions to a qualified retirement plan can only be made if working. Thanks to disability income insurance coverage for retirement contribution protection, you can now stress the importance of retirement planning while creating an opportunity for your employees to continue saving toward retirement in the event of total disability.
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terminal funding annuity contracts
If you are terminating your defined benefit plan or, for any other reason, wish to purchase annuities for your defined benefit plan participants, we can provide a single premium, non-participating, annuity contract that constitutes our irrevocable commitment to provide the benefits purchased. The plan participants will receive a certificate of guarantee from Massachusetts Mutual Life Insurance Company (MassMutual), which has a long track record of exceptional financial strength1.
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long term care insurance
You have given your employees every opportunity to build the assets they’ll need for retirement. Now, offer them something else to help safeguard those funds from the substantial costs2 associated with long term care.
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annuities
An annuity could be the solution when it comes to protecting your employees' retirement. No other retirement savings vehicle can offer income one cannot outlive, as well as a guaranteed death benefit. (Guarantees depend on the claims-paying ability of the issuing company or companies.)
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executive benefits
Executive Benefits is a collection of four businesses: Bank-Owned Life Insurance (BOLI), Corporate-Owned Life Insurance (COLI), executive carve-out benefits and our new Private Client Group. Executive Benefits can offer solutions for protecting employee retirement.
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1 View our ratings to find out more about our financial strength. Ratings
2 Average annual cost for nursing home care (private room) is $75,190.00. Average daily cost for eight hours of home care is $206.00. Source: MetLife Mature Market Institute, Market Survey of Nursing Home and Home Care Costs, September 2006.
All disability income insurance policies, riders and options may have exclusions and limitations. For costs and complete details of coverage, call your MassMutual representative, or us at 1(800) 272-2216 (press 3).
All disability income insurance policies, riders and options are issued by MassMutual.
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#050214-000 10/06
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