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Your retirement should be a time of freedom and choice--an opportunity to kick back and enjoy yourself. The reality is it takes a considerable amount of preparation to make that happen.
Fortunately, retirement planning is easier than it used to be. The challenge is to take advantage of the information and tools available. Make some smart choices now, and you'll be well on your way to a comfortable, independent retirement.
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| Participating in a retirement program could make the difference between a comfortable retirement and a working retirement. MassMutual can help. We offer a consultative approach that includes innovative services and technology, a wealth of retirement expertise and qualified financial professionals to help you design and administer a quality program. We also help your employees understand and value these important benefits. |
| Annuities, whether fixed or variable, offer the unique feature of guaranteed income for a specified period of time and perhaps the rest of one's life. When it's time to start receiving income from your annuity contract, your principal and earnings are paid out to you, either as regular income for life, for a designated number of years, as a single lump-sum amount or through systematic distributions. (Guarantees depend on the claims-paying ability of the issuing company or companies.) |
| disability income insurance for retirement contribution protection |
| You understand how important it is to save for retirement, but what about protecting your ability to make retirement contributions? All defined contribution plans, including 401(k), are based on the premise that in order to save for retirement you must be able to earn a living. Yet, if you become totally disabled before reaching retirement age, you may not only lose your ability to earn an income, but you may also lose the ability to make retirement contributions – and your opportunity to accumulate additional funds for retirement. Disability income insurance for retirement contribution protection is a way to help ensure that the ability to make retirement contributions continues. |
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| You have taken every opportunity to amass the assets you need for retirement. Now, look to long term care insurance to help safeguard those funds from the costs associated with long term care. SignatureCare® long term care insurance is a comprehensive and flexible individual policy, and allows you to tailor the benefits to fit your retirement planning. |
| family business resources |
| The family business resource section offers educational opportunities that can help equip you to face the challenges of protecting your business. |
| businessKillers® is an innovative workshop that can help you recognize and avoid the six mistakes that could destroy your business and threaten your personal financial future. Several modules in this workshop explain the pitfalls of delaying your retirement planning and offer some practical steps on how to prepare for the retirement of your dreams. |
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RetireGuard [Policy Form XL-IS-92 with EDI-10, XLS-ME-04 with EDI-10 and XL-IS-92(NC) with EDI-10, XLS-ME-04(NC) with EDI-10 in North Carolina] is issued by Massachusetts Mutual Life Insurance Company, Springfield MA 01111-0001 and has exclusions and limitations. For cost and complete details of coverage, please call your agent or MassMutual at (800) 272-2216 (press 3) to be referred to a representative in your area.
RetireGuard can be issued to participants of defined contribution plans. RetireGuard is not a retirement or pension plan or a substitute for such a program. Benefits are paid directly in to a trust, not into an employer sponsored retirement plan. Trust assets may be tax deferred depending on the investment option(s) you choose. Trust services are provided by The MassMutual Trust Company, FSB.
DI policies provide disability income insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for an Individual RetireGuard policy is 50.2 percent and the expected benefit ratio for a Multi-Life RetireGuard policy is 60.1 percent. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all the people with these policies.
businessKillers® is a registered trademark of Lighthouse Strategic Projects Group, Inc. Langhorne, PA |
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