Workplace Benefit Solutions

    Employee benefits are not one-size-fits-all. MassMutual provides a suite of employee benefit solutions that provide valuable coverage for all of your employees, as well as retirement solutions to help fit the needs of your organization. We also recognize that your key executives and other top employees have financial protection needs that may not be covered by standard workplace benefit offerings. MassMutual has solutions that may help address those needs.

    Retirement Solutions

    Coupled with other workplace benefits such as life insurance, disability income insurance and long term care insurance, you can offer your employees a benefit package that includes a retirement plan. By offering retirement benefits and helping your employees plan for the future, you can show how much you value them.

    Help Employees Protect the Ones They Love

    Many workers do not have adequate life insurance coverage. With MassMutual's portable, group whole life insurance, you can give your employees and their families the benefit of financial security that they can take with them for the rest of their lives. Employees can purchase coverage for themselves, their spouse, children and grandchildren — and they own the guaranteed cash value in the policy.


    An industry leading solution that simplifies benefits enrollment, management and administration.

    Available on desktop or via mobile app, BeneClick!SM makes it easy for employees to shop benefits by bundle package or one product at a time—from health care and life insurance to retirement planning. Employees can compare, select, and enroll in insured benefits using one easy-to-navigate platform. Employers can save time and increase productivity by streamlining benefits administration.

    Life Insurance for Executives

    Executives typically have higher incomes and often need larger death benefit insurance protection than typical employer-sponsored group benefit programs can provide. MassMutual’s Executive Group Life InsuranceSM is designed to replace or enhance group term coverage for highly compensated employees who are often underinsured and interested in the potential for tax-deferred cash value accumulation options.

    Reduce the Income Gap for Highly Compensated Executives

    Chances are that even if your company provides a basic employer-sponsored group long-term disability (GLTD) plan, many of your high earners may not have enough income protection in the event they become too sick or hurt to work. Individual disability Income insurance can provide benefits to supplement the GLTD plan for highly compensated employees who may have coverage limitations under the GLTD plan. Not only does DI insurance help reduce the income gap, it’s also a great way to help recruit, retain and reward employees.

    Institutional Insurance: Coverage for Your Business

    BOLI (Bank-Owned Life Insurance) and COLI (Corporate-Owned Life Insurance) is sold through specialized brokers and provides employers with a tax-efficient and effective way to fund deferred compensation and other post-retirement employee benefit programs. In a BOLI or COLI program, a bank or corporation purchases life insurance on a group of key employees. The bank or corporation pays the policy premiums, owns the cash value of the policies, and is the designated beneficiary. The bank or corporation must obtain each employee’s consent prior to purchasing an insurance policy insuring his or her life, and the employee must be notified about the beneficiary designation and the maximum amount of insurance coverage under the policy on his or her life.

    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).

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