What We Do


Consider an established, highly respected company based on demonstrated indications of quality and performance. Massachusetts Mutual Life Insurance Company (MassMutual) is a mutual life insurance company providing long-term value.

  • Has paid dividends to eligible participating policy owners every year since 1869.1
  • Has retained 121,224 policies for 50 years or longer as of December 31, 2018.
  • Paid $5.3 billion in insurance and annuity benefits in 2018.

Strong, stable company with consistent growth

  • Ended 2018 with $702 billion of assets under management.2
  • Finished 2018 with a record level of total adjusted capital — nearly $20 billion — while surplus remained strong at $15.6 billion; both are key indicators of the company’s financial strength.3
  • Achieved industry-leading weighted4 whole life insurance sales of $628 million in 2018.
  • Attained $18.3 billion in total Workplace and Institutional sales, with sales from our Institutional businesses topping $10 billion in 2018.
  • Supported a national network of approximately 8,900 financial professionals at year-end 2018.
  • Ranked No. 84 on the 2019 FORTUNE® 500 list.5

Responsible company

  • Provided nearly $20 million in charitable contributions in 2018, focusing on financial wellness and access to economic opportunity. We launched the Live Mutual Project, our Foundation-led initiative that brings together community members and resources to build a strong foundation for financial well-being today and for future generations.
  • Our proprietary financial education program for middle and high school students — FutureSmartSM — continued to expand its footprint in our nation’s schools, reaching just over 1.5 million students nationwide. We aspire to reach 2 million students and families by 2020 and are on track to exceed this goal.
  • Issued more than $700 million of life insurance coverage since 2002 through MassMutual’s LifeBridgeSM Free Life Insurance Program.6

1 Dividends are determined annually, subject to change and not guaranteed.

2 Assets Under Management include assets and certain external investment funds managed by MassMutual subsidiaries, including OppenheimerFunds, Inc. and Barings. MassMutual sold OppenheimerFunds to Invesco on May 24, 2019.

3 These consolidated results also include MassMutual’s U.S.-domiciled, wholly owned subsidiaries: MML Bay State Life Insurance Company and C.M. Life Insurance Company.

4 Weighted sales are based on annualized new premium, with single premium payments calculated at 10 percent.

5 FORTUNE® and FORTUNE® 500 are registered trademarks of Time Inc. and are used under license. From FORTUNE® Magazine, June, 2019. ©2019 Time Inc. Used under license. FORTUNE® and Time Inc. are not affiliated with, and do not endorse products or services of MassMutual.

6 MassMutual pays the premiums on $50,000 of term life insurance for eligible parents or guardians, with the benefit paid into a trust earmarked for their child’s education. Trust services provided by The MassMutual Trust Company, fsb, a wholly-owned subsidiary of MassMutual.