Charter Oak Insurance and Financial Services Co.

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    330 Whitney Avenue Suite 600 Holyoke, MA 01040
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    Who We Are

    We’ve long challenged the assumption that technical knowledge alone is enough to serve a client’s needs. Instead, we’ve built a team of insurance experts and financial advisors who can supplement that knowledge with their broad-ranging real-life experiences. By looking at things a little differently, we’re able to offer (and gain) the insights we feel are necessary to build relationships rooted in understanding and trust. 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 80,000 clients.

    • 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

    In helping people achieve their goals, protect their families and set a path for financial security, we're making a lasting difference in our communities. In addition to the business-related ways our work gives back, we add value to our neighborhoods through grassroots alliances, sponsorships and hands-on involvement. The Charter Oak Fund, Charter Oak’s philanthropic arm, makes all of this possible. 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, 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.

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