$1.39 Billion - Policyowner Dividend Payout by MassMutual
•
0 likes•209 views
At MassMutual, our policyowners matter most to us. That’s why next year we’ll pay out an estimated $1.39 billion in dividends to our eligible participating policyowners, reflecting a 7.00% dividend interest rate.1 1: 1Dividends and the underlying dividend interest rate (DIR) are determined annually, subject to change, and not guaranteed. Dividends consist of investment, mortality and expense components. The DIR is used to determine the investment component of the dividend. It is not the rate of return on the policy and should not be the sole basis of comparisons.
Report
Share
Report
Share
Download to read offline
Recommended
2009 Dividend Payout Rate
The document discusses a $1.35 billion dividend payout by MassMutual to eligible participating policyholders, reflecting a 7.6% dividend interest rate. As a mutual company owned by its policyholders, MassMutual has consistently paid dividends since the 1860s and remains committed to its policyholders' needs. The large dividend payout and MassMutual's strong financial ratings are signs of its stability in uncertain economic times.
Bests Review Top Benefit Brokers 0710
Marsh & McLennan Cos. topped the list of top global insurance brokers based on total revenue in 2009, bringing in $10.5 billion. Aon Corp. followed at #2 with $7.6 billion in revenue. The rankings are based on total revenue rather than brokerage revenue as in previous years. Five new brokers joined the top 20 list in 2010: National Financial Partners at #9, CNinsure at #16, Cooper Gay (Holdings) at #17, Frank Crystal & Co. at #19 and Meadowbrook at #20.
Thomason Family Wealth Goal Achiever - InKnowVision Advanced Estate Planning
The Family Wealth Goal Achiever™ is a plan design book (like a blueprint) that explains in easy to understand text and graphics the planning ideas being recommended by the planning team. It solves for high net worth tax planning, advanced estate planning, business transition planning, asset protection planning.
Learn more at www.inknowvision.com
3 Reasons
Northwestern Mutual is considered the world's most admired life insurance company according to Fortune Magazine. It has led its industry in financial soundness, quality of products and services, long-term investment, quality of management, and social responsibility for 25 years. Northwestern Mutual also has consistently received the highest possible financial strength ratings from major rating agencies for up to 35 years. Additionally, Northwestern Mutual has paid more dividends to customers than any other life insurance company for the past 13 years.
Thomason Family Wealth Goal Achiever - InKnowVision Advanced Estate Planning
1) John creates an irrevocable non-grantor trust to provide asset protection and estate tax savings for heirs.
2) John gifts $5 million of non-voting business interests to the trust and sells another $5 million of interests to the trust via an installment note.
3) Investments, LLC loans $5 million in cash/securities to the trust to provide cash flow to reinvest in the trucking business. The strategies are designed to maximize John's gifting amounts and reduce estate and income taxes while continuing to benefit his heirs.
Quality & Performance 2011
MassMutual is a large, stable life insurance company that has been operating for over 160 years. It provides long-term value for its policyholders and no stockholders. MassMutual pays billions in insurance benefits each year to help families and is ranked as one of the most admired life insurance companies. It also has strong financials with record surplus levels and growing sales. MassMutual supports local communities through corporate giving and has a large network of over 5,000 financial professionals.
Real Rates Of Return On C Ds Public Xadv14975 V 04 08
This document discusses the real rates of return on certificates of deposit (CDs) after accounting for taxes and inflation. It provides an example comparing CD rates from 1980, 2002, and 2007 with the average federal tax rate for top taxpayers during those years and inflation rates. After subtracting taxes and inflation, CDs in 1980 provided a real rate of return of -3.13%, while in 2002 and 2007 the real rates of return were -1.39% and -0.60%, respectively, showing that stability of CDs comes at the cost of low or even negative returns after taxes and inflation are considered. The document encourages asking a financial representative about other options from Jackson National Life Insurance Company that may help meet savings goals.
Get fit
The document summarizes information about National Life Group, including that it is ranked among the top 25 life insurance companies in the US, has been issuing indexed annuities the longest of existing issuers, is the #1 provider of indexed annuities in employer plans, and offers retirement solutions with guarantees that provide lifetime income. National Life Group is a trade name of two life insurance companies and their affiliates.
Recommended
2009 Dividend Payout Rate
The document discusses a $1.35 billion dividend payout by MassMutual to eligible participating policyholders, reflecting a 7.6% dividend interest rate. As a mutual company owned by its policyholders, MassMutual has consistently paid dividends since the 1860s and remains committed to its policyholders' needs. The large dividend payout and MassMutual's strong financial ratings are signs of its stability in uncertain economic times.
Bests Review Top Benefit Brokers 0710
Marsh & McLennan Cos. topped the list of top global insurance brokers based on total revenue in 2009, bringing in $10.5 billion. Aon Corp. followed at #2 with $7.6 billion in revenue. The rankings are based on total revenue rather than brokerage revenue as in previous years. Five new brokers joined the top 20 list in 2010: National Financial Partners at #9, CNinsure at #16, Cooper Gay (Holdings) at #17, Frank Crystal & Co. at #19 and Meadowbrook at #20.
Thomason Family Wealth Goal Achiever - InKnowVision Advanced Estate Planning
The Family Wealth Goal Achiever™ is a plan design book (like a blueprint) that explains in easy to understand text and graphics the planning ideas being recommended by the planning team. It solves for high net worth tax planning, advanced estate planning, business transition planning, asset protection planning.
Learn more at www.inknowvision.com
3 Reasons
Northwestern Mutual is considered the world's most admired life insurance company according to Fortune Magazine. It has led its industry in financial soundness, quality of products and services, long-term investment, quality of management, and social responsibility for 25 years. Northwestern Mutual also has consistently received the highest possible financial strength ratings from major rating agencies for up to 35 years. Additionally, Northwestern Mutual has paid more dividends to customers than any other life insurance company for the past 13 years.
Thomason Family Wealth Goal Achiever - InKnowVision Advanced Estate Planning
1) John creates an irrevocable non-grantor trust to provide asset protection and estate tax savings for heirs.
2) John gifts $5 million of non-voting business interests to the trust and sells another $5 million of interests to the trust via an installment note.
3) Investments, LLC loans $5 million in cash/securities to the trust to provide cash flow to reinvest in the trucking business. The strategies are designed to maximize John's gifting amounts and reduce estate and income taxes while continuing to benefit his heirs.
Quality & Performance 2011
MassMutual is a large, stable life insurance company that has been operating for over 160 years. It provides long-term value for its policyholders and no stockholders. MassMutual pays billions in insurance benefits each year to help families and is ranked as one of the most admired life insurance companies. It also has strong financials with record surplus levels and growing sales. MassMutual supports local communities through corporate giving and has a large network of over 5,000 financial professionals.
Real Rates Of Return On C Ds Public Xadv14975 V 04 08
This document discusses the real rates of return on certificates of deposit (CDs) after accounting for taxes and inflation. It provides an example comparing CD rates from 1980, 2002, and 2007 with the average federal tax rate for top taxpayers during those years and inflation rates. After subtracting taxes and inflation, CDs in 1980 provided a real rate of return of -3.13%, while in 2002 and 2007 the real rates of return were -1.39% and -0.60%, respectively, showing that stability of CDs comes at the cost of low or even negative returns after taxes and inflation are considered. The document encourages asking a financial representative about other options from Jackson National Life Insurance Company that may help meet savings goals.
Get fit
The document summarizes information about National Life Group, including that it is ranked among the top 25 life insurance companies in the US, has been issuing indexed annuities the longest of existing issuers, is the #1 provider of indexed annuities in employer plans, and offers retirement solutions with guarantees that provide lifetime income. National Life Group is a trade name of two life insurance companies and their affiliates.
Measures of Community Value
How do you measure positive impact on a community? From our perspective,
it means making a difference in the lives of people through solutions that help
secure their financial futures. Imagine a career where you could be part of a team that provides this kind of impact in your community.
2016 MCV
This document summarizes the community involvement and financial strength of a MassMutual agency. It highlights that the agency is committed to helping clients make good financial decisions and has a long-standing commitment to the communities it serves through philanthropic donations and volunteerism. The agency leverages MassMutual's over 160 years of experience and financial strength to serve over 13,000 clients with $4.3 billion in life insurance coverage.
2016 MCV
This document summarizes the community involvement and financial strength of a MassMutual agency. It highlights that the agency is committed to helping clients make good financial decisions and has a long-standing commitment to the communities it serves through philanthropic donations and volunteer work. The agency leverages MassMutual's over 160 years of experience and financial strength to serve over 13,000 clients with $4.3 billion in life insurance coverage.
CARD MBA: Challenges in marketing microinsurance products
The document discusses challenges in marketing microinsurance products to marginalized sectors of society. It provides an overview of CARD Mutual Benefit Association's microinsurance products and services, including life insurance, retirement savings, and loan redemption funds. It also discusses marketing strategies such as highlighting quick claims settlement within 1-3-5 days and creating demand through needs analysis and weekly meetings.
Quick Close Presentation
QuickClose is a program by Massachusetts Mutual Life Insurance Company that provides expedited underwriting and policy issuance for business loans requiring life insurance as collateral, allowing lenders to close loans faster. It offers term life, universal life, whole life, and variable life insurance options with turnaround times of 7-10 business days. Lenders benefit from being able to close loans more quickly while borrowers have access to high-quality, affordable life insurance without additional costs.
Quick Close
QuickClose is a program by Massachusetts Mutual Life Insurance Company that provides expedited underwriting and policy issuance for business loans requiring life insurance as collateral, allowing lenders to close loans faster. It offers term life, universal life, whole life, and variable life insurance options with turnaround times of 7-10 business days. Lenders benefit from being able to close loans more quickly while borrowers have access to high-quality, affordable life insurance without additional costs.
I-Bytes Banking Industry
This document brings together a set
of latest data points and publicly
available information relevant for
Banking Industry. We are very
excited to share this content and
believe that readers will benefit from
this periodic publication immensely.
MassMutual - Strength - Stability
MassMutual provides a concise summary of its financial strength and stability in uncertain economic times. It highlights its 157 years of operations, $8.5 billion surplus, diversified investment portfolio, and AAA financial strength ratings from major rating agencies. MassMutual emphasizes that its mutual ownership structure ensures its priorities are aligned with policyholders, and that it is well-positioned to continue honoring its commitments through periods of market turbulence.
Mass Mutual Q2 Results
MassMutual has strong financials as of June 30, 2009 with a surplus of $8.3 billion, $2.7 billion in cash and equivalents, and over $11 billion in government securities. It has the highest ratings of AAA from Standard & Poor's, Aa1 from Moody's, and AAA from Fitch. Core weighted whole life sales were up 9% and the net field force increased 9% despite challenges. The investment portfolio totaled $84.3 billion using a prudent, diversified approach.
MassMutual Q2 Results Final
MassMutual has strong financials as of June 30, 2009 with a surplus of $8.3 billion, $2.7 billion in cash and equivalents, and over $11 billion in government securities. It has the highest ratings of AAA from Standard & Poor's, Aa1 from Moody's, and AAA from Fitch. Core weighted whole life sales were up 9% and the net field force increased 9% from the prior year. The company maintained a disciplined, diversified investment approach with $84.3 billion in total invested assets.
Organizational Profile
MassMutual is a leading life insurance and financial services company founded in 1851 that offers life, disability, long-term care, annuities, and investment products. It has over $639 billion in assets under management and is ranked among the top 100 companies on the Fortune 500. MassMutual provides financial representatives with highly competitive compensation, benefits, training and career development opportunities to help them succeed.
Quality And Performance 2009
This document provides information about MassMutual's focus on quality and performance in 2009. It discusses MassMutual's long history of over 158 years demonstrating qualities like strength, experience, and stability. It also discusses MassMutual's commitment to helping customers build a secure financial future through reliable, steady products and a nationwide network of financial professionals. The document is intended to provide confidence in MassMutual's ownership structure, diversification, financial strength, quality, and historical dividend performance.
Quality And Performance 2009
This document provides information about MassMutual's focus on quality and performance in 2009. It discusses MassMutual's long history of over 158 years demonstrating qualities like strength, experience, and stability. It also discusses MassMutual's mutual ownership structure, which means it operates for the benefit of its members and policyholders rather than shareholders. The document provides information on MassMutual's financial strength, diversification, and historical dividend performance to build confidence in the company.
BB&T Capital Markets Investment Fact Sheet
Clinical Mobility (CM) is seeking growth capital to expand its existing vaccination clinic business and launch a new flex-ambulatory infusion therapy (FIT) business. CM's existing vaccination business generated over $5.5 million in revenue in 2005 providing flu shots in retail locations. CM is poised to provide 300,000 shots in 2006 generating nearly $10 million in revenue. The capital raise will also fund the launch of CM's FIT business, which will utilize a hub-and-spoke model to provide convenient and lower-cost infusion services. CM projects the FIT business will generate over $8 million in revenue in its first year.
SnapHealth Seed Round
SnapHealth is raising $1,000,000 of seed funding to revolutionize the individual benefits landscape. Investors will receive Cumulative Preferred Stock with a declared 5% dividend rate. Health Insurance Sucks. Our patent-pending methodologies make it work.
New Ad Dec 2008
The document discusses the strength and stability of MassMutual as a financial partner during uncertain economic times. It notes that MassMutual has consistently paid dividends to policyholders since 1860 and approved a $1.35 billion dividend payout for 2009. The document also highlights MassMutual's $8.5 billion surplus and high financial strength ratings as evidence of its ability to withstand unforeseen events. It encourages readers to experience the benefits of partnering with a stable financial institution like MassMutual.
SG TRUSTS YOU
SG Trusts You is a proposed company that would develop microcredit insurance products to address the lack of confidence faced by poor families seeking loans. By improving borrowers' ability to repay loans even in difficult financial times, microcredit insurance could help borrowers access better interest rates and loan conditions. The company would partner with microfinance institutions to distribute these insurance products, benefiting both SG Trusts You and its MFI partners. The microcredit insurance market in Brazil is still untapped, representing an opportunity to help more people rise out of poverty through improved access to affordable loans.
Muthoot Finance multibagger 2021 & SIGN-UP to get new multibagger https://fut...
Muthoot Finance is the largest gold loan NBFC in India with over 4,400 branches. It provides gold loans as well as other financial services including money transfers, wealth management, foreign exchange, and travel services. The company has seen strong financial performance in recent years with total income increasing 20% year-over-year in the most recent quarter. Due to its market leading position and continued financial growth, analysts believe Muthoot Finance has potential to be a multibagger stock.
Building Pensions for the Future
This document discusses strategies for managing pension plans in the future in light of challenges exposed by the global economic crisis. It addresses both defined benefit (DB) and defined contribution (DC) plans. For DB plans, it suggests qualifying promises made to reduce risk, and exploring flexible designs like those used in the Netherlands. For DC plans, it recommends increasing contribution rates, improving investment strategies, enhancing payout options, and boosting member communication and education to help ensure adequate retirement incomes. Overall, the document advocates a holistic approach considering DB plan design, DC plan strengthening, and efficient pension management processes.
Jason saul eof keynote
The document discusses how nonprofits can raise more funds by selling their impact to "impact buyers" rather than relying solely on traditional donors. It argues that nonprofits should measure their outcomes and social impact more systematically in order to market these to potential impact buyers like social investors, beneficiary payers, corporate partners and service providers. The document provides examples of impact buyers and outlines a new approach for nonprofits to understand buyers' needs, quantify their impact, and make the business case for how partnering with the nonprofit can create value for the buyer.
More Related Content
Similar to $1.39 Billion - Policyowner Dividend Payout by MassMutual
Measures of Community Value
How do you measure positive impact on a community? From our perspective,
it means making a difference in the lives of people through solutions that help
secure their financial futures. Imagine a career where you could be part of a team that provides this kind of impact in your community.
2016 MCV
This document summarizes the community involvement and financial strength of a MassMutual agency. It highlights that the agency is committed to helping clients make good financial decisions and has a long-standing commitment to the communities it serves through philanthropic donations and volunteerism. The agency leverages MassMutual's over 160 years of experience and financial strength to serve over 13,000 clients with $4.3 billion in life insurance coverage.
2016 MCV
This document summarizes the community involvement and financial strength of a MassMutual agency. It highlights that the agency is committed to helping clients make good financial decisions and has a long-standing commitment to the communities it serves through philanthropic donations and volunteer work. The agency leverages MassMutual's over 160 years of experience and financial strength to serve over 13,000 clients with $4.3 billion in life insurance coverage.
CARD MBA: Challenges in marketing microinsurance products
The document discusses challenges in marketing microinsurance products to marginalized sectors of society. It provides an overview of CARD Mutual Benefit Association's microinsurance products and services, including life insurance, retirement savings, and loan redemption funds. It also discusses marketing strategies such as highlighting quick claims settlement within 1-3-5 days and creating demand through needs analysis and weekly meetings.
Quick Close Presentation
QuickClose is a program by Massachusetts Mutual Life Insurance Company that provides expedited underwriting and policy issuance for business loans requiring life insurance as collateral, allowing lenders to close loans faster. It offers term life, universal life, whole life, and variable life insurance options with turnaround times of 7-10 business days. Lenders benefit from being able to close loans more quickly while borrowers have access to high-quality, affordable life insurance without additional costs.
Quick Close
QuickClose is a program by Massachusetts Mutual Life Insurance Company that provides expedited underwriting and policy issuance for business loans requiring life insurance as collateral, allowing lenders to close loans faster. It offers term life, universal life, whole life, and variable life insurance options with turnaround times of 7-10 business days. Lenders benefit from being able to close loans more quickly while borrowers have access to high-quality, affordable life insurance without additional costs.
I-Bytes Banking Industry
This document brings together a set
of latest data points and publicly
available information relevant for
Banking Industry. We are very
excited to share this content and
believe that readers will benefit from
this periodic publication immensely.
MassMutual - Strength - Stability
MassMutual provides a concise summary of its financial strength and stability in uncertain economic times. It highlights its 157 years of operations, $8.5 billion surplus, diversified investment portfolio, and AAA financial strength ratings from major rating agencies. MassMutual emphasizes that its mutual ownership structure ensures its priorities are aligned with policyholders, and that it is well-positioned to continue honoring its commitments through periods of market turbulence.
Mass Mutual Q2 Results
MassMutual has strong financials as of June 30, 2009 with a surplus of $8.3 billion, $2.7 billion in cash and equivalents, and over $11 billion in government securities. It has the highest ratings of AAA from Standard & Poor's, Aa1 from Moody's, and AAA from Fitch. Core weighted whole life sales were up 9% and the net field force increased 9% despite challenges. The investment portfolio totaled $84.3 billion using a prudent, diversified approach.
MassMutual Q2 Results Final
MassMutual has strong financials as of June 30, 2009 with a surplus of $8.3 billion, $2.7 billion in cash and equivalents, and over $11 billion in government securities. It has the highest ratings of AAA from Standard & Poor's, Aa1 from Moody's, and AAA from Fitch. Core weighted whole life sales were up 9% and the net field force increased 9% from the prior year. The company maintained a disciplined, diversified investment approach with $84.3 billion in total invested assets.
Organizational Profile
MassMutual is a leading life insurance and financial services company founded in 1851 that offers life, disability, long-term care, annuities, and investment products. It has over $639 billion in assets under management and is ranked among the top 100 companies on the Fortune 500. MassMutual provides financial representatives with highly competitive compensation, benefits, training and career development opportunities to help them succeed.
Quality And Performance 2009
This document provides information about MassMutual's focus on quality and performance in 2009. It discusses MassMutual's long history of over 158 years demonstrating qualities like strength, experience, and stability. It also discusses MassMutual's commitment to helping customers build a secure financial future through reliable, steady products and a nationwide network of financial professionals. The document is intended to provide confidence in MassMutual's ownership structure, diversification, financial strength, quality, and historical dividend performance.
Quality And Performance 2009
This document provides information about MassMutual's focus on quality and performance in 2009. It discusses MassMutual's long history of over 158 years demonstrating qualities like strength, experience, and stability. It also discusses MassMutual's mutual ownership structure, which means it operates for the benefit of its members and policyholders rather than shareholders. The document provides information on MassMutual's financial strength, diversification, and historical dividend performance to build confidence in the company.
BB&T Capital Markets Investment Fact Sheet
Clinical Mobility (CM) is seeking growth capital to expand its existing vaccination clinic business and launch a new flex-ambulatory infusion therapy (FIT) business. CM's existing vaccination business generated over $5.5 million in revenue in 2005 providing flu shots in retail locations. CM is poised to provide 300,000 shots in 2006 generating nearly $10 million in revenue. The capital raise will also fund the launch of CM's FIT business, which will utilize a hub-and-spoke model to provide convenient and lower-cost infusion services. CM projects the FIT business will generate over $8 million in revenue in its first year.
SnapHealth Seed Round
SnapHealth is raising $1,000,000 of seed funding to revolutionize the individual benefits landscape. Investors will receive Cumulative Preferred Stock with a declared 5% dividend rate. Health Insurance Sucks. Our patent-pending methodologies make it work.
New Ad Dec 2008
The document discusses the strength and stability of MassMutual as a financial partner during uncertain economic times. It notes that MassMutual has consistently paid dividends to policyholders since 1860 and approved a $1.35 billion dividend payout for 2009. The document also highlights MassMutual's $8.5 billion surplus and high financial strength ratings as evidence of its ability to withstand unforeseen events. It encourages readers to experience the benefits of partnering with a stable financial institution like MassMutual.
SG TRUSTS YOU
SG Trusts You is a proposed company that would develop microcredit insurance products to address the lack of confidence faced by poor families seeking loans. By improving borrowers' ability to repay loans even in difficult financial times, microcredit insurance could help borrowers access better interest rates and loan conditions. The company would partner with microfinance institutions to distribute these insurance products, benefiting both SG Trusts You and its MFI partners. The microcredit insurance market in Brazil is still untapped, representing an opportunity to help more people rise out of poverty through improved access to affordable loans.
Muthoot Finance multibagger 2021 & SIGN-UP to get new multibagger https://fut...
Muthoot Finance is the largest gold loan NBFC in India with over 4,400 branches. It provides gold loans as well as other financial services including money transfers, wealth management, foreign exchange, and travel services. The company has seen strong financial performance in recent years with total income increasing 20% year-over-year in the most recent quarter. Due to its market leading position and continued financial growth, analysts believe Muthoot Finance has potential to be a multibagger stock.
Building Pensions for the Future
This document discusses strategies for managing pension plans in the future in light of challenges exposed by the global economic crisis. It addresses both defined benefit (DB) and defined contribution (DC) plans. For DB plans, it suggests qualifying promises made to reduce risk, and exploring flexible designs like those used in the Netherlands. For DC plans, it recommends increasing contribution rates, improving investment strategies, enhancing payout options, and boosting member communication and education to help ensure adequate retirement incomes. Overall, the document advocates a holistic approach considering DB plan design, DC plan strengthening, and efficient pension management processes.
Jason saul eof keynote
The document discusses how nonprofits can raise more funds by selling their impact to "impact buyers" rather than relying solely on traditional donors. It argues that nonprofits should measure their outcomes and social impact more systematically in order to market these to potential impact buyers like social investors, beneficiary payers, corporate partners and service providers. The document provides examples of impact buyers and outlines a new approach for nonprofits to understand buyers' needs, quantify their impact, and make the business case for how partnering with the nonprofit can create value for the buyer.
Similar to $1.39 Billion - Policyowner Dividend Payout by MassMutual (20)
CARD MBA: Challenges in marketing microinsurance products
CARD MBA: Challenges in marketing microinsurance products
Muthoot Finance multibagger 2021 & SIGN-UP to get new multibagger https://fut...
Muthoot Finance multibagger 2021 & SIGN-UP to get new multibagger https://fut...
$1.39 Billion - Policyowner Dividend Payout by MassMutual
- 1. LIFE’S GREATEST MOMENTS ARE MEANT TO BE SHARED. $ 1.39 At MassMutual, our policyowners matter most to us. That’s why next year we’ll pay out an estimated $1.39 billion in dividends to our eligible participating policyowners, reflecting a 7.00% dividend interest rate.1 BILLION Whether whole life insurance policyowners take their dividend as cash or use it to grow their policies, it helps them protect those who POLICYOWNER DIVIDEND PAYOUT matter most to them. Learn how you could share in our success at MassMutual.com Intermountain Financial Group 6330 South 3000 East, Suite 600 Salt Lake City, UT 84121 801-943-6277 adixon@financialguide.com www.intermountainfinancialgroup.com LIFE INSURANCE + RETIREMENT/401(K) PLAN SERVICES + DISABILITY INCOME INSURANCE + LONG TERM CARE INSURANCE + ANNUITIES MassMutual Financial Group refers to Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives. Insurance products issued by MassMutual (Springfield, MA 01111) and its subsidiaries, C.M. Life Insurance Co. and MML Bay State Life Insurance Co. (Enfield, CT 06082). 1 Dividends and the underlying dividend interest rate (DIR) are determined annually, subject to change, and not guaranteed. Dividends consist of investment, mortality and expense components. The DIR is used to determine the investment component of the dividend. It is not the rate of return on the policy and should not be the sole basis of comparisons. CRN201303-165786