Charter Oak Insurance and Financial Services Co.

    Main Office

    Connect
    330 Whitney Avenue Suite 600 Holyoke, MA 01040
    Get directions

    Check the background of this firm on FINRA's BrokerCheck

    Who We Are

    At Charter Oak Insurance and Financial Services, our relationship with you is about more than just financial services: it's about children and parents, brothers and sisters, businesses and employees; it’s about becoming a member of your team and providing guidance to help you make sound financial decisions for your future.

    Founded in 1886, Charter Oak is one of the oldest and largest MassMutual general agencies. Our Holyoke headquarters are just minutes away from the one-room office where MassMutual first opened for business. We have offices throughout New England and metropolitan New York and we serve nearly 78,600 clients1. Our more than 200 financial professionals have diverse backgrounds and

    • Picture of Peter Novak
      General Agent, Charter Oak Insurance and Financial Services Peter Novak
    • Picture of Brendan  Naughton
      General Agent, Charter Oak Insurance and Financial Services Brendan Naughton
    • Picture of Timothy Ludwig
      General Agent, Charter Oak Insurance and Financial Services Timothy Ludwig

    Our Community

    We believe in supporting our communities through alliances, sponsorship and hands-on involvement. The Charter Oak Fund makes this possible. We are proud to have recently supported numerous organizations in and around Connecticut, New York and Massachusetts. To learn more, click here: http://www.charteroakfinancial.com/community.

    Our Measures of Community Value

    Through 2015, Charter Oak has:

    • over $15.1 billion of life insurance coverage in force2.
    • paid over $74.4 million in life insurance benefits3 and $15.3 million in disability income insurance benefits (claims)4 to our clients.
    • paid more than $47 million in dividends5 to Charter Oak clients who own eligible participating whole life policies with MassMutual.
    • distributed $685 million in free6 life insurance to eligible families as part of MassMutual’s LifeBridgeSM Program.

     

    1 An insured, owner, or payer of a MassMutual policy or contract (12/31/2015).

    2 Amount of individual life insurance in force at the end of the period related to products issued by Massachusetts Mutual Life Insurance Company and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company (12/31/2015).

    3 Amount of individual life insurance claims paid during the period related to products issued by Massachusetts Mutual Life Insurance Company and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company (12/31/2015).

    4 Amount of disability income insurance claims paid during the period related to products issued by Massachusetts Mutual Life Insurance Company (12/31/2015).

    5 The amount of dividends to whole life policyowners in 2015.

    6 MassMutual pays the premiums (12/31/2015).

    Offices operating under an alternative marketing name may offer products, services, or guidance outside of their relationship with MassMutual, MML Investors Services, MSI Financial Services, Inc., or their affiliated companies. Any such offices are not subsidiaries or affiliates of MassMutual or its affiliated companies.

    Securities, investment advisory and financial planning services offered through qualified registered representatives of MML Investors Services, LLC, Member SIPC. Supervisory Office: 330 Whitney Avenue, Suite 600, Holyoke, MA 01040; Phone: 413-539-2000.

    MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives. Local sales agencies are not subsidiaries of MassMutual or its affiliated companies. Agency officers are not officers of MassMutual.

    Financial services representatives are independent contractors and are not employees of MassMutual, its subsidiaries, or of general agents with whom they contract.

    You Have a Vision
    for Your Future.

    Our Financial Professionals can help you turn it into reality. Discover the benefits of working with us, and find out how we can help.

    Still not sure what you need?

    Select a Goal and We'll Help You Get There

    Close