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About MassMutual & Mutuality

As a General Agency of MassMutual, we are backed by a long-standing organization of experienced people, exceptional products and a realistic, needs-based approach to financial strategy. Along with MassMutual, we are committed to helping you meet your financial needs: protecting your family or business, building predictable retirement income, and knowing you will be financially prepared for the future.

Putting member and policyowner interests first

Founded in 1851, Massachusetts Mutual Life Insurance Company (MassMutual) is a leading mutual life insurance company operating for the benefit of its members and participating policyowners.

Through the most prosperous and turbulent of financial times, MassMutual’s mutual ownership structure has been the foundation for its business strategy and success. As a mutual company, MassMutual does not have shareholders. The Company is managed with the long-term interests of its policyowners and members in mind, and we strive every day to make decisions in order to meet their needs in the future.

Policyowners and members may benefit directly from the Company’s mutual ownership structure. For example, if you are the insured under a MassMutual participating whole life insurance policy, you are a member of the Company and entitled to vote for its board of directors. And if you are the owner of that participating policy, you may be eligible to share in any dividends the Company may declare. Page 7 | MassMutual Field Websites Content Document

A prudent investment philosophy

MassMutual seeks to generate long-term stable investment performance to support its financial strength and ability to meet its financial commitment to policyowners. In constructing and maintaining its asset portfolio, MassMutual adheres to its disciplined investment approach, which is grounded in the tenets of diversification, prudent security selection and relative value. As a mutual company, MassMutual is able to take a long-term view when investing, and focus less on short-term fluctuations in asset values.

Investing in businesses that benefit our policyowners

MassMutual's business structure is built to support its mutual ownership. MassMutual’s strategic investments in retirement, asset management and international insurance businesses can provide diverse sources of growth and earnings that have consistently helped it grow capital and enhance its dividend-paying ability. In addition, these businesses allow MassMutual to offer a broad spectrum of products and services to meet the financial needs of its clients through various life stages.

Financial strength ratings

MassMutual has consistently earned some of the highest financial strength ratings [http://www.massmutual.com/aboutmassmutual/financialinfo/ratings] of any company in any industry.

Awards & Recognition

MassMutual has been recognized by several organizations for excellence in a variety of areas. View some of MassMutual’s recent achievements:

MassMutual Ranks 94 on Annual Fortune 500 List

MM Scores 100 Percent on Corporate Equality Index

MassMutual is one of DiversityInc.’s Top 50 Companies for Diversity

MassMutual’s 2016 Dividend Payout


CRN201711-172885