About MassMutual & Mutuality

Inspiring people to rely on each other

As a General Agency of Massachusetts Mutual Life Insurance Company (MassMutual), we are backed by a mutually owned company that has helped people keep their promises, protect their families, and support their communities since 1851. MassMutual calls it Living Mutual, and it’s in their DNA. Ours too: along with MassMutual, we are committed to helping you secure your future and protect the ones you love.

Mutual ownership

As a mutual company, with no shareholders, MassMutual is managed with the long-term interests of its policyowners and members in mind. 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.

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. As a mutual company, MassMutual is able to take a long-term strategy – built on diversification, prudent security selection and relative value – and focus less on short-term fluctuations in asset values.

Investing in businesses that benefit our policyowners

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, as well as broadening MassMutual’s spectrum of financial products and services.

Financial strength ratings

MassMutual has consistently earned some of the highest financial strength 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:

Fortune recognizes MassMutual on 2018 list of World's Most Admired Companies

MM Scores 100 Percent on Corporate Equality Index

MassMutual A DiversityGlobal Top 15 Company for Diversity

MassMutual’s approves $1.7 billion estimated 2020 Policyholder Dividend Payout