Our History & Purpose

    MassMutual was founded on May 15, 1851. And from the beginning, we’ve had a single purpose: to help people secure their future and protect the ones they love. More than 160 years later, that commitment remains our guiding principle. It’s behind everything we do and every decision we make. It’s how we continue to deliver products and services to help our policyowners and customers achieve their financial goals, and protect those who matter most.

    What Mutuality Means

    MassMutual is a mutual company. That means we don’t have shareholders. Instead, our members and participating policy owners are often described as sharing in our ownership. This generally means that, if you’re insured under one of MassMutual’s individual, participating whole life insurance policies, for example, you are a member entitled to vote for our Board of Directors. And if you own that participating policy, you may be eligible to share in any dividends we may declare.

    As a mutual company, we operate for the benefit of our members and participating policyowners. We manage the company with a focus on their long-term interests and are not subject to the expectations of Wall Street analysts or stockholders. Throughout our history, this focus on the long-term has helped us provide financial and retirement security to millions of people. And while they're not guaranteed, we've consistently paid dividends to eligible participating policyowners since the 1860s. Our success is reflected in our financial strength ratings1, which are among the highest of any company in any industry.

    Exceptional Service

    We realize planning for your financial future might seem confusing, even daunting. And we understand how even broaching the subject can seem overwhelming. When you meet with one of our Financial Professionals, he or she will work with you to understand your goals and help you create a solid strategy to achieve them. The same approach holds true when you explore this site or call our award-winning call center. Our focus is always on your goals and how we can help you get there.  

    Products to Help You Meet Your Goals

    When you’re in your 20s, your financial goals are often different than those of someone in their 40s. Or their 60s. Each person might want a comfortable retirement — but that means different things to different people. And there are other goals that can emerge along the way, from planning for a child’s education, to planning for or managing income in retirement. That’s why we offer a range of financial strategies and solutions to help you every step of the way. Whether it’s life insurance, an annuity, a retirement savings product like a 401(k) or one of our other offerings, we’ll work with you to gain confidence, and stay flexible and prepared for your financial future. 

    Corporate Responsibility

    Our “people-first” approach has served our customers and our communities for more than a century and a half. It’s reflected in the products we offer, extends to the customer service we provide, and continues beyond our organization into the communities where we live and work.

    For us, corporate responsibility is a fundamental part of who we are. We’re consistently looking at ways we can help our employees, support our neighbors and protect our environment.

    Inside our organization, we recognize the volunteer efforts of our employees and Financial Professionals with a grant program for their favorite non-profits. In our communities, we’re active supporters of organizations ranging from Easter Seals to Junior Achievement, while we offer scholarships and life insurance coverage to help young people pursue their education goals. And to minimize our impact on the environment, we’ve installed solar panels, electric vehicle charging stations and a rain reclamation irrigation system at our LEED-certified headquarters building.

    1 Financial Strength Ratings are as of 11/1/2014: 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). Ratings are for MassMutual (Springfield, MA 01111) and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company (Enfield, CT 06082). Ratings are subject to change.

    Insurance products issued by Massachusetts Mutual Life Insurance Company (MassMutual) (Springfield, MA 01111-0001) and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company (Enfield, CT 06082).