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| Choice. Protection. Control. Managed growth. MassMutual helps minimize risk while offering good investment opportunities. |
| What better way to accumulate assets within your overall investment portfolio than with an annuity? No other retirement savings vehicle offers a guaranteed lifetime of income. There are several types of plans that can be funded by an annuity, which may well suit your business needs. Two examples are the 412(i) plan and the Simplified Employee Pension (SEP) plan. Guarantees are contingent on the claims-paying ability of the issuing company or companies. |
| A SEP plan is a retirement plan that provides you, the employer, with an easy way to make contributions toward your employees’ retirement income. Under a SEP, you can contribute to an employee’s traditional individual retirement arrangement (traditional IRA). |
| A 412(i) plan is a fully insured defined benefit retirement plan. It is a plan that can maximize current deductions and provide benefits at retirement that are guaranteed and not dependent on investment performance. Guarantees are contingent on the claims-paying ability of the issuing company or companies. Liquidated earnings are subject to ordinary income tax and may be subject to a contingent deferred sales charge or a surrender charge. If taken prior to age 59 ½, a 10% federal income tax penalty may apply. |
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