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.
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.
The Long Road Back: 2011 Edelman Trust in U.S. Financial Services SurveyEdelman Digital
Edelman’s Financial Communications group presents the findings of its second annual Trust in U.S. Financial Services Survey. The questions were fielded in November 2010 to gauge the level of trust individual investors feel in relation to financial services companies, professionals and regulations.
An analysis of the Indian Cashless Health Insurance Industry identifying the key structural deficiencies leading to a situation of distrust between parties involved. The study as a part of IIM, Indore’s Consulting competition, Chanakya, organized in association with Cognizant also proposes solutions for resolving the present imbroglio between the service providers and insurance companies.
The Long Road Back: 2011 Edelman Trust in U.S. Financial Services SurveyEdelman Digital
Edelman’s Financial Communications group presents the findings of its second annual Trust in U.S. Financial Services Survey. The questions were fielded in November 2010 to gauge the level of trust individual investors feel in relation to financial services companies, professionals and regulations.
An analysis of the Indian Cashless Health Insurance Industry identifying the key structural deficiencies leading to a situation of distrust between parties involved. The study as a part of IIM, Indore’s Consulting competition, Chanakya, organized in association with Cognizant also proposes solutions for resolving the present imbroglio between the service providers and insurance companies.
1. 0
The Northwestern Mutual Life Insurance Company (Northwestern Mutual)
Northwestern Mutual
New York Life
BEST VALUE Northwestern Mutual
MetLife
Mass Mutual
has the highest cash value return among major
Guardian Guardian
MetLife
insurance companies. – as compiled by Blease Research
While other companies tout sales illustrations Who is Blease Research?
Mass Mutual
and advertised rates, there is one important, Roger Blease, founder of Blease
Research, is a former manager
easy-to-compare and unbiased number of product analysis for one of
the nation’s top credit rating agencies. His company
to know when it comes to permanent life publishes software that enables subscribers to conduct
insurance policy performance: the historic detailed comparisons of cash value life insurance
policies based on data provided by more than 50 of
actual cash value return. the nation’s leading life insurance companies.
25% Greater
20-year cash value returns Cash Value Return
Northwestern Mutual Northwestern Mutual 4.97%
New York Life New York Life 3.98%
Mass Mutual Mass Mutual 3.65%
MetLife MetLife 3.48%
Guardian Guardian 3.40%
Best Cash Value Return
Northwestern Mutual’s permanent life insurance offers more than death benefit protection. It also has
0 1 2 3 4
provided the highest cash value return among major insurance companies, as measured by Blease 5
Research. Over a 20-year period ending in 2011, the actual cash value return of its flagship permanent
life insurance product was 25% greater than the nearest major competitor.
Source: Blease Research Full Disclosure 2011 Whole Life Edition (www.full-disclosure.com)
Policy results are based on $250,000 whole life policies issued in 1991 to 45 year old
males (best underwriting class unless noted otherwise). Premiums vary by company.
Cash value internal rates of return (IRRs) are based on actual dividends used to
purchase additions. The IRR is the level annual return needed on premium to The Northwestern Mutual
produce the respective value or benefit. A higher IRR is, of course, more favorable. Life Insurance Company • Milwaukee, WI
The IRRs do not take into account the time value of money. www.northwesternmutual.com
The Northwestern Mutual dividend scale interest rate (DSIR) for un-borrowed funds 71-0116 (0411)
is the interest rate used for crediting interest on policy values after deducting
mortality and expense charges. Because of the mortality and expense charges,
the (DSIR) should not be used as a measure of the policy’s internal rate of return.
The dividend scale and the underlying interest rates are reviewed annually and are
subject to change. Future dividends are not guaranteed.