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What would happen to your business if something unforeseen happens to you, a co-owner, or a key employee? There are steps you can take to help mitigate the risks that can threaten the viability of your business.

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Whether you realize it or not, knowing the value of your business will have a big impact on both your personal and business planning. A financial professional can provide a clear picture of the value of your business so you can prepare for the future.

Have you thought about how much you need your business to be worth to maintain your current lifestyle in retirement? There are strategies to help you build assets outside the business so you aren't solely dependent on the business to fund your retirement.

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

Group Universal Life can offer a more customized approach to employee life insurance. It offers your 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.

While it's impossible to completely prevent accidents, Group Accident Insurance can help your 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.

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

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.

Our institutionally priced solutions can offset the costs associated with employee benefit programs while our properly structured life insurance solutions can help manage business risks associated with the loss of highly compensated key employees and serve as a tax-efficient balance sheet asset.

MassMutual’s historically strong credit rating provides you with the opportunity to invest in funding agreements to help meet your financial accumulation or investment needs.

With a proper pension transfer strategy in place, you may be able to reduce your organization’s risk by transferring the uncertainties that are associated with plan assets and liabilities. MassMutual provides solutions that can deliver risk transference for your pension plan.

Our comprehensive stable value solutions offer customizable and differentiated features, which are backed by the financial strength of one of the highest-rated¹ companies in any industry.