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MassMutual
contribution protection
You understand how important it is to save for retirement, but what about insuring your 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. What if you become disabled before reaching retirement age? You not only lose the opportunity to earn a steady income, you also lose contributions to your retirement plan.
RetireGuard®
We have a way to help you protect your ability to make retirement contributions if you become totally disabled. While not a pension program, nor a substitute for one, RetireGuard helps ensure your retirement savings will continue in the event of a total disability.

If you become totally disabled after purchasing RetireGuard through a non-cancelable disability income insurance stand-alone policy or a rider, we:
pay benefits directly to a trust.
 insure an amount up to 100 percent of your present contributions to your defined contribution plan, including employer matches (up to contract limits).

Benefit payments are made to the trust, and at the direction of the insured, the funds are invested according to his or her investment strategy.

At age 65 or 671 (depending on the benefit period of your policy), trust assets are distributed to you to supplement your retirement income.

Let a financial professional review your retirement plan and income expectations.

1 Varies by state.

RetireGuard [Policy Form XL-IS-92 with EDI-10 and XL-IS-92(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 on a stand alone basis or as a rider on a disability income contract (Radius®, MaxElectsm or FlexElectsm) for an additional cost. 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 a RetireGuard policy is 50.1 percent. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all the people with this policy.
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