MassMutual Strategic Distributors

MassMutual, a company backed by more than 170 years of financial strength, is proud to introduce MassMutual Strategic Distributors (MMSD) — a third-party distribution partner offering one of the most diverse product portfolios in the industry.

The right partner at the right time

MassMutual Strategic Distributors (MMSD), a division of MassMutual, builds partnerships with top-notch financial services companies. MMSD provides life insurance, annuity, disability, and hybrid life and long term care solutions, backed by highly experienced professionals in functional areas that are critical to success. Our partners, in turn, provide access to their teams of talented financial professionals and their clients. These strategic relationships spur growth and lead to mutual success.


MassMutual’s suite of annuity products includes both income and fixed annuities. Our products are designed to provide flexibility for your clients based on their life stages for retirement income needs. ​

MassMutual Stable VoyageSM (PDF)
MassMutual RetireEaseSM (PDF)
MassMutual RetireEase ChoiceSM (PDF)

Life Insurance

Whether the need is for protecting a family or business, MassMutual’s broad portfolio of life insurance products can help your clients. From education funding and retirement planning for individuals, to key person and executive bonus plans for businesses, MassMutual has a life insurance solution you can be proud and confident to present to your clients.

Whole Life (PDF)
Term Insurance (PDF)
Universal Life (PDF)
Variable Universal Life (PDF)

Hybrid Life & Long Term Care

Our hybrid life insurance and long term care (CareChoice) products offer a combination of benefits that make them an attractive long term care planning option for many clients. The CareChoice products provide long term care protection, death benefits, plus rising cash value. Policyowners are eligible to receive dividends1 — a significant competitive advantage.​

MassMutual CareChoiceSM One (PDF)
MassMutual CareChoiceSM Select (PDF)


Disability income insurance (DI) can help ease the financial hardship that often results from a loss of earned income due to a lengthy disability. Anyone who relies on their income is a potential candidate for disability income products.​

Radius Choice (PDF)
RetireGuard (PDF)

Small Business Owner
Business Owner Expense (BOE) (PDF)
Buy-Sell (PDF)

Principled action impacts performance2

  • Illustration - a dollar bill


    Total adjusted capital

  • Illustration - three people with the person in front wearing a suit


    Employees nationwide

  • Illustration - storefront with awning


    Annuity and insurance benefits delivered in 2020

  • Illustration - a pie chart with a piece of the pie extracted


    Total invested assets

  • $1.7B

    Estimated dividend payout in 2021 to eligible participating policyowners

  • $22B

    Dividends paid over the past 15 years

  • $17M

    Invested in organizations across the country to broaden economic opportunity

High Financial Strength Ratings3

MassMutual financial strength ratings are among the highest of any company in any industry.

  • AA+

    Standard & Poor's (Very Strong)

  • Aa3

    Moody's Investors Service (High Quality)

  • A++

    A.M. Best (Superior)

  • AA+

    Fitch Ratings (Very Strong)

Meet the MassMutual Strategic Distributors (MMSD) Leadership Team

A headshot of Dominic Blue

Dominic Blue

Head of MassMutual Strategic Distributors (MMSD)

A headshot of Lisa Todd

Lisa Todd

Head of Life & Disability Insurance Distribution, MMSD

A headshot of Matt DiGangi

Matt DiGangi

Head of Annuity/Hybrid Distribution, MMSD

A headshot of Shatondra Brown

Shatondra Brown

Head of Client Services, MMSD

A headshot of Deidra Hubenak

Deidra Hubenak

Head of Advanced and Internal Sales, MMSD

A headshot of Loraine Bernard

Loraine Bernard

Head of Delivery and Program Management, MMSD

A headshot of Mary Romano

Mary Romano

Head of Strategy and Planning, MMSD

1 Dividends are not guaranteed

2 Values as of 1/1/2021

3 Ratings are as of 9/1/2021 and apply to Massachusetts Mutual Life Insurance Company and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company. Ratings are subject to change.


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