For Business

Whether you’re looking to offer your employees a comprehensive benefits package, protect your business from the unexpected, or plan for life after the business, MassMutual can help. Through our Business Owner, Workplace, and Institutional Solutions, we’re able to help you get to where you want to go.


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, Defined Benefit, 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.

Defined Benefit

Our consultative, client-focused approach takes the complex and helps make it simple. Our integrated investment, actuarial, and administrative capabilities combined with de-risking strategies provide transparent solutions to help meet your long-term defined benefit plan financial goals.

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.

Workplace Solutions

As the employee benefits landscape continues to evolve, opportunities are opening up for advisors, employers, and employees alike. MassMutual sees the convergence of retirement, protection insurance, health care, and other voluntary 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 holistic portfolio includes a full range of retirement plan products and services, as well as an array of voluntary insurance products available to individuals through their employer. And our innovative, award-winning tools are designed to help both employers and employees unlock the power of all their benefits.

Defined Benefit

From fully-bundled, semi-bundled, or investment-only approaches to pension plan services – to combining services for both defined contribution and defined benefit plans, we offer the experience, expertise, and flexibility to help employers achieve their retirement plan goals.

Defined Contribution

As a leading provider of defined contribution solutions, we can help reduce the administrative burden on plan sponsors, and help educate and empower employees to plan and save for the future. Our range of services allows us to deliver needs-based solutions for a broad spectrum of organizations and industries.

Non-Qualified Deferred Compensation Plans

A non-qualified deferred compensation (NQDC) plan can provide employers with a powerful tool to attract and retain top performers. As a leader in workplace retirement plans, we can help coordinate defined benefit, defined contribution, and NQDC plans into one comprehensive program to meet employers’ strategic benefits objectives.

Fiduciary Assure

MassMutual’s Fiduciary Assure® Program is designed to offer plan sponsors robust co-fiduciary support for investment selection and monitoring. By providing investment recommendations that are compliant with ERISA Section 404(c), the Fiduciary Assure Program may help insulate plan fiduciaries against legal claims that can result from offering inadequate or inappropriate investments.

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 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 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 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.


When employees have a financial game plan for meeting the financial challenges ahead, they’re more focused and productive. They’re also more likely to retire on time — which can be good news for an organization’s bottom line. MapMyFinances is an online education tool that provides a comprehensive game plan for each step of an employee's financial life, so they can make smart choices about their finances now to tackle what's next.


Viability℠ is a patent-pending analysis program created by the Viability Advisory Group, a unit of MassMutual, to help companies evaluate their own potential cost of underutilized retirement savings plans. The analysis helps substantiate the inherent value of Defined Contribution plans when they are utilized to their fullest, as well as the potential liabilities companies can face when employees fail to make the most of their plans. The program shows how the vision of a retirement plan works most effectively for the well-being of both a company and its employees when both parties are aligned.

Student Loan Debt Repayment

A powerful recruitment or retention tool, our Student Loan Debt Repayment Program can help employees pay down their student loan debt. Employers define eligibility requirements and make payments directly to employees’ student loan providers. These payments are on top of the employee’s regular payments – allowing them to save money, get out of debt faster and improve their financial wellness.

Student Loan Refinancing from CommonBond

Student loan debt is an important short-term goal for many employees – it can feel overwhelming and the numbers are staggering. Getting control of student loan debt can help your employees feel more in control of their finances and help them feel like they’ve taken a big step on their path to financial wellness. We’ve partnered with CommonBond to offer a competitive solution to help your employees take control of their finances and helps elevate your benefits offering without the work. Learn more.

Emergency Savings Accounts

Supporting your employees in achieving emergency savings goals is a win-win. Available directly to participants through MapMyFinances, emergency savings from Millennium Trust Company is another solution designed to meet the needs of your employees, while keeping it hassle-free for you. Another opportunity to help employees get control of their finances with limited effort and no administration.

Health Savings Account

Healthcare costs are on the rise and coupling a High-Deductible Health Plan (HDHP) with an Health Savings Account (HSA) can help employees pay for eligible health-related expenses now and in retirement. With its triple-tax benefit, offering employees an HSA gives them a powerful vehicle to help drive their financial wellness.

Direct Term Life Insurance

In the past, life insurance could take weeks – just to receive a decision. No more! Now, when employees submit a MassMutual Direct Term application online, they get an immediate decision and temporary coverage may begin right away1. Learn more.


1 For healthy, qualified individuals.

Guidance may not be available for certain products. Guidance is based on MapMyFinances assumptions and information provided by the employee and employer.

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 Workplace Solutions Help?

If you’re looking for Workplace 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.

Defined Contribution 401(k) Plans

MassMutual can help reduce your administrative burden and help enable your employees to plan for the future. We offer a full range of services across a broad range of markets and products, which allows us to deliver flexible, needs-based solutions.

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.

Non-Qualified Deferred Compensation Plan

Competitive benefits packages can help attract, reward, and retain key employees. A non-qualified deferred compensation (NQDC) plan can help participants — including highly paid executives — fill the gap between their pre- and post-retirement incomes. 

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