For Business

Whether you’re looking to offer your employees a benefits package, protect your business from the unexpected, or plan for life after the business, MassMutual can help.


Institutional Solutions

Experience the MassMutual difference for your business. We invite you to learn more about how we create customized solutions to drive better outcomes for a wide range of your institutional financial needs.

Learn more about Institutional Solutions


Our Institutional Solutions businesses include Institutional Insurance, Investment Only, Institutional Longevity, Municipal Guaranteed Investment Contracts (GIC), and Medium Term Notes (MTN).

Institutional Insurance

Working with specialized distribution partners, we deliver Bank Owned Life Insurance (BOLI) and Corporate Owned Life Insurance (COLI) solutions to meet the benefit funding, insurance, and asset diversification needs of a variety of institutions.

Investment Only

We provide investment choices, among a wide variety of solutions and financial instruments. Put our experience, discipline, and talent to work for your institution with MassMutual Funds and our Stable Value solutions.

Institutional Longevity

We apply our multi-disciplined, consultative approach to design customized solutions to mitigate pension risks and manage longevity exposure for your institutional business.

Funding Agreements

Our market expertise provides investment vehicles that match institutional client needs for high-quality investments.

Worksite Solutions

MassMutual sees voluntary and executive benefits
in the workplace as an opportunity to help
employers provide employees with new ways to enhance
their financial well-being.

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Products & Services

Our portfolio includes a wide range of voluntary and executive insurance products available to individuals through their employer.

Voluntary Benefits

Group Whole Life

Group Whole Life insurance can help employees be more prepared for the unexpected through permanent, portable, lifetime protection with built-in guarantees. Plus, it provides employees with the ability to build up cash value.

Group Accident Insurance

While it's impossible to completely prevent accidents, Group Accident insurance can help employees be better prepared for their potential financial impact. After an insured is injured due to a covered accident, it provides the certificate owner with a lump-sum benefit, so they can spend less time worrying about expenses and more time healing.


Group Universal Life

Group Universal Life can offer employees a more customized approach to life insurance that can flex to meet their evolving protection needs. It offers employees affordable, permanent, portable coverage with flexible premiums and optional guarantees – all of which can help them keep up with the changes in their lives.

Group Critical Illness (Specified Disease) Insurance

A critical illness – like a heart attack, stroke, or invasive cancer – can have an emotional, physical, and financial impact on certificate owners and their families. Group Critical Illness insurance can provide the certificate owner with a lump-sum benefit, paid directly to them, to help them cover personal or medical expenses.

Executive Benefits

Executive Group Life Insurance

Executive Group Life (EGL) is a valuable and flexible employer sponsored group life insurance program specifically designed for key employees. EGL gives executives access to potentially higher coverage amounts than are typically available under a company-sponsored group term life insurance plan.


Executive Individual Disability Income Insurance

MassMutual’s Individual Disability Income Insurance is designed for highly compensated employees and executives whose coverage may not meet their financial needs, due to the potential exclusion of incentive compensation and bonuses. Helping to reduce a potential disability income gap and attract top talent.

Looking for Worksite Solutions Help?

If you’re looking for Worksite Solutions, please contact us.

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Business Owners

At MassMutual, we pride ourselves on providing expertise and guidance to help you plan for your business’s financial future.


Our services and product options can help you protect your business and carry out your long-term vision. 

Business Overhead Expense Disability Insurance

If you were to become disabled, the future of your company could be in jeopardy. However, with a business overhead expense (BOE) disability policy in place, the business can continue to operate even while you are unable to work.

Business Valuation

Whether you realize it or not, knowing the value of your business will have a big impact on both your personal and business planning. You cannot effectively protect the business or plan for the future of the business without knowing what it’s worth.

Disability Insurance (DI)

Disabilities that affect someone’s ability to work can be a serious issue for businesses of all sizes. Businesses can use DI as an effective planning tool to mitigate risk. Offering DI can also help you to recruit and retain employees.

Life Insurance

Life insurance provides a solid financial foundation and serves as a versatile tool for businesses of all sizes. Business owners can use life insurance for additional purposes including protecting their company, family, partners, and key employees from an unexpected death, as well as a benefit to attract and retain top talent.


Your company’s retirement plan can play a key role in helping both you and your employees save for the future. It can also help you attract and retain the talent you need to help your business grow. Adding an annuity option to your retirement plan is worth considering. They can help you and your employees save for retirement and are the only option that can guarantee lifetime income.

SEP/ Simple IRA

When considering a qualified retirement plan for your employees, you may want to consider two plan types that are designed specifically for small businesses: a Simplified Employee Pension (SEP) and a Savings Incentive Match Plan for Employees (SIMPLE).

Business Owners

If you’re looking for support for your business, please contact us.

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Business Calculators

Effect of Losing Key Employee


Setting Baseline Financial Goals


Preparing for Partnership Buyout


Plan for When You Can't Work