MassMutual is a high-performing life insurance company committed to clients and communities. It has strong growth, with $10 billion in surplus and record sales in 2010. MassMutual is also one of America's largest and most admired companies, ranked in Fortune's top 500 corporations. It has a growing network of over 5,200 financial professionals and manages $448 billion in assets.

1. Quality and
Performance 2011
Choosing a sustainable source for your financial needs
This material provides a summary of A responsible company committed to its clients and communities
MassMutual’s position as a high-performing • Installation of 600 solar panels atop our headquarters –
part of our commitment to the environment
life insurance company that puts client
needs first. A strong, stable company with solid growth
• Surplus4 increased 12 percent in 2010, to more than
What is the sign of a good decision? $10 billion – a historic level
In the world of personal finance, it’s • Record sales in 2010 for weighted whole life insurance
working with… sales5 and retirement services
• Assets under management6 reached $448 billion
One of America’s largest and most admired companies at year-end 2010 – up 10 percent from 2009
• Listed as one of Fortune’s most
admired companies1 A company with a growing network of local professionals
• Ranked 101 in the FORTUNE 500 ranking of • National network of more than 5,200 financial
America’s largest corporations2 professionals at year-end 2010
• A 160-year-old company delivering strong
A mutual life insurance company providing long-term value performance and offering quality solutions
• Operating for the benefit of our members and
participating policyholders – no stockholders
• More than 103,000 policies in force for 50 years 1
Data source: Fortune Magazine, 3/21/11
or longer as of December 31, 2010 2
Data source: Fortune Magazine, 5/23/11
3
Dividends are determined annually, subject to change and not guaranteed.
A company with a long history of dividends to policyholders 4
Surplus is the amount the company has on hand after setting aside reserves
• Dividends paid to eligible participating policyholders to meet projected future obligations.
every year since the 1860s3
5
Weighted sales are based on weighted annualized new premium, with single
premium payments weighted at 10 percent.
• Since 1960, dividends to eligible participating 6
Assets under management include assets and certain external investment
policyholders totaled more than $25 billion funds managed by MassMutual subsidiaries, including OppenheimerFunds,
Inc., Baring Asset Management Limited, Babson Capital Management LLC
and its subsidiary, Cornerstone Real Estate Advisers LLC.
© 2011 Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001. All rights reserved. www.massmutual.com. MassMutual Financial Group
is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives.
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